Call reports 2013
CITIZENS BANK AND TRUST COMPANY — 2013
What CITIZENS BANK AND 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 | 128,350,000 | 120,334,000 | 122,082,000 | 128,519,000 |
| Total loans | 71,220,000 | 77,542,000 | 83,423,000 | 72,865,000 |
| Allowance for loan losses | 807,000 | 833,000 | 815,000 | 834,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,836,000 | 26,829,000 | 26,264,000 | 26,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,727,000 | 97,325,000 | 98,618,000 | 105,692,000 |
| Interest-bearing deposits | 79,821,000 | 74,044,000 | 75,001,000 | 76,373,000 |
| Noninterest-bearing deposits | 25,906,000 | 23,281,000 | 23,617,000 | 29,319,000 |
| Equity capital | 11,984,000 | 12,282,000 | 12,464,000 | 12,193,000 |
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 | 1,128,000 | 2,344,000 | 3,633,000 | 4,863,000 |
| Interest expense | 131,000 | 258,000 | 385,000 | 513,000 |
| Net interest income | 997,000 | 2,086,000 | 3,248,000 | 4,350,000 |
| Noninterest income | 186,000 | 426,000 | 672,000 | 922,000 |
| Noninterest expense | 974,000 | 1,958,000 | 2,981,000 | 4,058,000 |
| Provision for loan losses | 68,000 | 115,000 | 143,000 | 214,000 |
| Pretax income | 141,000 | 439,000 | 796,000 | 1,000,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 439,000 | 796,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,856,000 | 11,946,000 | 12,142,000 | 11,887,000 |
| Total capital | 12,663,000 | 12,779,000 | 12,957,000 | 12,721,000 |
| Risk-weighted assets | 106,749,000 | 108,323,000 | 111,966,000 | 105,114,000 |