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 | 311,314,000 | 315,063,000 | 310,695,000 | 315,933,000 |
| Total loans | 204,894,000 | 208,305,000 | 218,042,000 | 227,932,000 |
| Allowance for loan losses | 2,797,000 | 2,742,000 | 2,769,000 | 2,979,000 |
| Securities available for sale | 60,553,000 | 61,955,000 | 64,624,000 | 61,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,136,000 | 267,138,000 | 267,042,000 | 269,502,000 |
| Interest-bearing deposits | 216,104,000 | 215,465,000 | 214,143,000 | 219,701,000 |
| Noninterest-bearing deposits | 47,033,000 | 51,673,000 | 52,899,000 | 49,801,000 |
| Equity capital | 31,495,000 | 31,178,000 | 31,473,000 | 31,607,000 |
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 | 3,438,000 | 6,825,000 | 10,338,000 | 13,905,000 |
| Interest expense | 539,000 | 1,052,000 | 1,515,000 | 1,949,000 |
| Net interest income | 2,899,000 | 5,773,000 | 8,823,000 | 11,956,000 |
| Noninterest income | 530,000 | 1,088,000 | 1,688,000 | 2,175,000 |
| Noninterest expense | 2,456,000 | 4,708,000 | 7,069,000 | 9,474,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,100,000 |
| Pretax income | 750,000 | 1,705,000 | 2,769,000 | 3,564,000 |
| Income tax | 186,000 | 438,000 | 724,000 | 760,000 |
| Net income | 564,000 | 1,267,000 | 2,045,000 | 2,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,797,000 | 31,506,000 | 32,064,000 | 32,196,000 |
| Total capital | 33,594,000 | 34,247,000 | 34,833,000 | 35,175,000 |
| Risk-weighted assets | 240,047,000 | 243,720,000 | 249,404,000 | 257,841,000 |
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