Call reports 2012
CITIZENS DEPOSIT BANK & TRUST, INC. — 2012
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 218,530,000 | 216,546,000 | 377,976,000 | 374,958,000 |
| Total loans | 123,373,000 | 123,322,000 | 226,834,000 | 221,584,000 |
| Allowance for loan losses | 1,357,000 | 1,441,000 | 3,313,000 | 2,948,000 |
| Securities available for sale | 79,817,000 | 77,644,000 | 121,104,000 | 113,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,208,000 | 187,356,000 | 329,049,000 | 326,015,000 |
| Interest-bearing deposits | 144,097,000 | 143,104,000 | 263,011,000 | 264,084,000 |
| Noninterest-bearing deposits | 45,111,000 | 44,253,000 | 66,038,000 | 61,931,000 |
| Equity capital | 21,470,000 | 21,789,000 | 41,290,000 | 41,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,986,000 | 5,200,000 | 12,694,000 | 16,342,000 |
| Interest expense | 296,000 | 573,000 | 1,458,000 | 1,873,000 |
| Net interest income | 2,690,000 | 4,627,000 | 11,236,000 | 14,469,000 |
| Noninterest income | 498,000 | 1,040,000 | 2,291,000 | 2,905,000 |
| Noninterest expense | 1,606,000 | 3,053,000 | 7,448,000 | 9,842,000 |
| Provision for loan losses | 105,000 | 210,000 | 515,000 | 650,000 |
| Pretax income | 1,477,000 | 2,404,000 | 5,564,000 | 6,882,000 |
| Income tax | 501,000 | 815,000 | 1,888,000 | 2,331,000 |
| Net income | 976,000 | 1,589,000 | 3,676,000 | 4,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,777,000 | 17,917,000 | 33,082,000 | 33,194,000 |
| Total capital | 19,134,000 | 19,358,000 | 35,761,000 | 35,794,000 |
| Risk-weighted assets | 122,340,000 | 120,759,000 | 212,948,000 | 207,620,000 |
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