Call reports 2013
CITIZENS BANK & TRUST COMPANY — 2013
What CITIZENS BANK & TRUST COMPANY 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 | 110,513,000 | 106,918,000 | 102,808,000 | 108,393,000 |
| Total loans | 52,393,000 | 52,808,000 | 53,905,000 | 49,664,000 |
| Allowance for loan losses | 1,075,000 | 1,063,000 | 1,050,000 | 1,031,000 |
| Securities available for sale | 27,348,000 | 27,185,000 | 26,922,000 | 29,538,000 |
| Securities held to maturity | 20,000 | 20,000 | 15,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,182,000 | 95,161,000 | 91,154,000 | 96,754,000 |
| Interest-bearing deposits | 75,987,000 | 75,110,000 | 69,675,000 | 72,315,000 |
| Noninterest-bearing deposits | 21,195,000 | 20,051,000 | 21,479,000 | 24,439,000 |
| Equity capital | 11,321,000 | 11,277,000 | 11,430,000 | 11,479,000 |
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 | 846,000 | 1,837,000 | 2,774,000 | 3,832,000 |
| Interest expense | 84,000 | 161,000 | 231,000 | 301,000 |
| Net interest income | 762,000 | 1,676,000 | 2,543,000 | 3,531,000 |
| Noninterest income | 100,000 | 207,000 | 321,000 | 438,000 |
| Noninterest expense | 671,000 | 1,356,000 | 2,006,000 | 2,692,000 |
| Provision for loan losses | 0 | 114,000 | 114,000 | 144,000 |
| Pretax income | 191,000 | 413,000 | 744,000 | 1,133,000 |
| Income tax | 133,000 | 213,000 | 328,000 | 467,000 |
| Net income | 58,000 | 200,000 | 416,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,908,000 | 9,043,000 | 9,194,000 | 9,299,000 |
| Total capital | 9,652,000 | 9,800,000 | 9,995,000 | 10,051,000 |
| Risk-weighted assets | 59,223,000 | 60,245,000 | 63,831,000 | 59,894,000 |
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