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 | 110,067,000 | 111,761,000 | 113,006,000 | 111,286,000 |
| Total loans | 70,187,000 | 67,584,000 | 67,260,000 | 69,199,000 |
| Allowance for loan losses | 1,137,000 | 1,261,000 | 1,294,000 | 1,295,000 |
| Securities available for sale | 16,197,000 | 18,821,000 | 24,890,000 | 24,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,539,000 | 99,245,000 | 100,291,000 | 98,800,000 |
| Interest-bearing deposits | 69,659,000 | 68,998,000 | 71,030,000 | 71,236,000 |
| Noninterest-bearing deposits | 27,880,000 | 30,247,000 | 29,261,000 | 27,564,000 |
| Equity capital | 11,685,000 | 11,563,000 | 11,627,000 | 11,600,000 |
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 | 1,096,000 | 2,557,000 | 3,663,000 | 4,812,000 |
| Interest expense | 77,000 | 151,000 | 229,000 | 308,000 |
| Net interest income | 1,019,000 | 2,406,000 | 3,434,000 | 4,504,000 |
| Noninterest income | 117,000 | 76,000 | 277,000 | 440,000 |
| Noninterest expense | 1,102,000 | 2,215,000 | 3,346,000 | 4,523,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 4,000 | 207,000 | 275,000 | 301,000 |
| Income tax | 6,000 | 55,000 | 68,000 | 68,000 |
| Net income | -2,000 | 152,000 | 207,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,410,000 | 11,532,000 | 11,553,000 | 11,547,000 |
| Total capital | 12,468,000 | 12,559,000 | 12,584,000 | 12,641,000 |
| Risk-weighted assets | 70,293,000 | 67,791,000 | 68,041,000 | 73,208,000 |