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 | 183,960,000 | 178,646,000 | 180,331,000 | 177,150,000 |
| Total loans | 111,133,000 | 114,800,000 | 112,289,000 | 116,338,000 |
| Allowance for loan losses | 1,810,000 | 1,790,000 | 1,818,000 | 1,849,000 |
| Securities available for sale | 55,362,000 | 57,503,000 | 54,612,000 | 53,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,070,000 | 137,052,000 | 133,277,000 | 133,000,000 |
| Interest-bearing deposits | 118,540,000 | 112,764,000 | 108,247,000 | 108,597,000 |
| Noninterest-bearing deposits | 24,530,000 | 24,288,000 | 25,030,000 | 24,403,000 |
| Equity capital | 29,186,000 | 26,968,000 | 28,015,000 | 28,047,000 |
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 | 1,776,000 | 3,640,000 | 5,522,000 | 7,302,000 |
| Interest expense | 192,000 | 381,000 | 569,000 | 754,000 |
| Net interest income | 1,584,000 | 3,259,000 | 4,953,000 | 6,548,000 |
| Noninterest income | 311,000 | 637,000 | 928,000 | 1,380,000 |
| Noninterest expense | 1,205,000 | 2,500,000 | 3,776,000 | 5,111,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 660,000 | 1,336,000 | 2,006,000 | 2,673,000 |
| Income tax | 110,000 | 300,000 | 400,000 | 435,000 |
| Net income | 550,000 | 1,036,000 | 1,606,000 | 2,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,655,000 | 28,790,000 | 29,361,000 | 29,627,000 |
| Total capital | 29,953,000 | 30,156,000 | 30,730,000 | 31,068,000 |
| Risk-weighted assets | 103,347,000 | 108,894,000 | 108,888,000 | 114,902,000 |
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