Call reports 2013
CITIZENS BANK & TRUST — 2013
What CITIZENS BANK & TRUST 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 | 90,167,000 | 84,009,000 | 82,016,000 | 84,686,000 |
| Total loans | 34,336,000 | 35,020,000 | 36,390,000 | 37,728,000 |
| Allowance for loan losses | 642,000 | 644,000 | 650,000 | 663,000 |
| Securities available for sale | 24,809,000 | 36,309,000 | 36,750,000 | 36,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,706,000 | 72,273,000 | 70,114,000 | 72,913,000 |
| Interest-bearing deposits | 63,985,000 | 60,015,000 | 56,706,000 | 58,582,000 |
| Noninterest-bearing deposits | 13,721,000 | 12,258,000 | 13,408,000 | 14,331,000 |
| Equity capital | 9,754,000 | 8,824,000 | 9,234,000 | 9,030,000 |
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 | 671,000 | 1,336,000 | 2,035,000 | 2,728,000 |
| Interest expense | 54,000 | 103,000 | 148,000 | 190,000 |
| Net interest income | 617,000 | 1,233,000 | 1,887,000 | 2,538,000 |
| Noninterest income | 132,000 | 276,000 | 411,000 | 555,000 |
| Noninterest expense | 509,000 | 1,027,000 | 1,518,000 | 1,996,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 44,000 |
| Pretax income | 228,000 | 458,000 | 744,000 | 1,053,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 228,000 | 458,000 | 744,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,706,000 | 8,835,000 | 9,021,000 | 9,030,000 |
| Total capital | 9,260,000 | 9,383,000 | 9,573,000 | 9,603,000 |
| Risk-weighted assets | 44,237,000 | 43,738,000 | 44,063,000 | 45,739,000 |
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