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 | 234,695,000 | 233,409,000 | 229,261,000 | 236,736,000 |
| Total loans | 164,035,000 | 162,551,000 | 161,604,000 | 162,618,000 |
| Allowance for loan losses | 3,232,000 | 3,496,000 | 3,190,000 | 3,690,000 |
| Securities available for sale | 8,954,000 | 8,369,000 | 10,867,000 | 10,274,000 |
| Securities held to maturity | 10,008,000 | 10,931,000 | 11,897,000 | 12,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,839,000 | 201,700,000 | 197,046,000 | 204,723,000 |
| Interest-bearing deposits | 144,660,000 | 142,194,000 | 134,596,000 | 143,201,000 |
| Noninterest-bearing deposits | 59,179,000 | 59,506,000 | 62,450,000 | 61,522,000 |
| Equity capital | 24,572,000 | 24,934,000 | 25,164,000 | 26,516,000 |
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 | 2,388,000 | 4,865,000 | 7,180,000 | 9,802,000 |
| Interest expense | 202,000 | 398,000 | 578,000 | 739,000 |
| Net interest income | 2,186,000 | 4,467,000 | 6,602,000 | 9,063,000 |
| Noninterest income | 366,000 | 766,000 | 1,163,000 | 1,675,000 |
| Noninterest expense | 1,879,000 | 3,651,000 | 5,398,000 | 7,031,000 |
| Provision for loan losses | 180,000 | 413,000 | 621,000 | 812,000 |
| Pretax income | 493,000 | 1,169,000 | 1,746,000 | 2,895,000 |
| Income tax | 205,000 | 519,000 | 637,000 | 1,032,000 |
| Net income | 288,000 | 650,000 | 1,109,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,568,000 | 24,929,000 | 25,179,000 | 26,544,000 |
| Total capital | 26,774,000 | 27,105,000 | 27,316,000 | 28,707,000 |
| Risk-weighted assets | 175,489,000 | 172,747,000 | 169,878,000 | 171,538,000 |