Call reports 2013
CITIZENS TRUST BANK — 2013
What CITIZENS TRUST BANK 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 | 393,991,000 | 410,964,000 | 391,647,000 | 387,410,000 |
| Total loans | 183,516,000 | 180,913,000 | 184,679,000 | 185,275,000 |
| Allowance for loan losses | 3,415,000 | 3,414,000 | 3,116,000 | 3,157,000 |
| Securities available for sale | 130,697,000 | 147,096,000 | 142,079,000 | 141,045,000 |
| Securities held to maturity | 926,000 | 510,000 | 510,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,447,000 | 344,891,000 | 339,859,000 | 336,973,000 |
| Interest-bearing deposits | 272,028,000 | 273,250,000 | 265,475,000 | 265,821,000 |
| Noninterest-bearing deposits | 67,419,000 | 71,641,000 | 74,384,000 | 71,152,000 |
| Equity capital | 48,967,000 | 46,207,000 | 46,653,000 | 46,084,000 |
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 | 3,274,000 | 6,703,000 | 10,184,000 | 13,766,000 |
| Interest expense | 235,000 | 467,000 | 691,000 | 904,000 |
| Net interest income | 3,039,000 | 6,236,000 | 9,493,000 | 12,862,000 |
| Noninterest income | 989,000 | 1,724,000 | 2,752,000 | 3,621,000 |
| Noninterest expense | 3,645,000 | 7,305,000 | 10,998,000 | 14,812,000 |
| Provision for loan losses | 225,000 | 275,000 | 450,000 | 425,000 |
| Pretax income | 299,000 | 624,000 | 1,041,000 | 1,490,000 |
| Income tax | -14,000 | -13,000 | 24,000 | -58,000 |
| Net income | 313,000 | 637,000 | 1,017,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,551,000 | 40,293,000 | 40,791,000 | 41,441,000 |
| Total capital | 44,468,000 | 43,207,000 | 43,732,000 | 44,376,000 |
| Risk-weighted assets | 232,545,000 | 231,829,000 | 234,509,000 | 234,733,000 |