Call reports 2013
CITIZENS DEPOSIT BANK & TRUST, INC. — 2013
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 368,677,000 | 369,124,000 | 365,865,000 | 363,451,000 |
| Total loans | 213,501,000 | 221,473,000 | 230,835,000 | 227,930,000 |
| Allowance for loan losses | 3,288,000 | 3,181,000 | 3,134,000 | 2,757,000 |
| Securities available for sale | 117,323,000 | 114,860,000 | 107,908,000 | 95,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,111,000 | 323,451,000 | 312,059,000 | 318,091,000 |
| Interest-bearing deposits | 255,156,000 | 256,686,000 | 253,132,000 | 251,994,000 |
| Noninterest-bearing deposits | 64,955,000 | 66,765,000 | 58,927,000 | 66,097,000 |
| Equity capital | 41,344,000 | 40,198,000 | 40,221,000 | 39,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,645,000 | 7,179,000 | 10,807,000 | 14,398,000 |
| Interest expense | 370,000 | 716,000 | 1,035,000 | 1,321,000 |
| Net interest income | 3,275,000 | 6,463,000 | 9,772,000 | 13,077,000 |
| Noninterest income | 727,000 | 1,498,000 | 2,328,000 | 2,826,000 |
| Noninterest expense | 2,144,000 | 4,406,000 | 6,554,000 | 8,794,000 |
| Provision for loan losses | 75,000 | -25,000 | -25,000 | -275,000 |
| Pretax income | 1,783,000 | 3,580,000 | 5,571,000 | 7,728,000 |
| Income tax | 602,000 | 1,221,000 | 1,911,000 | 2,647,000 |
| Net income | 1,181,000 | 2,359,000 | 3,660,000 | 5,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,612,000 | 34,003,000 | 34,366,000 | 34,591,000 |
| Total capital | 36,093,000 | 36,564,000 | 37,008,000 | 37,158,000 |
| Risk-weighted assets | 197,669,000 | 204,245,000 | 210,171,000 | 210,232,000 |
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