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 | 368,646,000 | 356,555,000 | 350,196,000 | 358,151,000 |
| Total loans | 227,425,000 | 221,166,000 | 214,781,000 | 212,174,000 |
| Allowance for loan losses | 4,071,000 | 3,229,000 | 3,528,000 | 3,790,000 |
| Securities available for sale | 61,838,000 | 64,699,000 | 63,514,000 | 69,750,000 |
| Securities held to maturity | 46,462,000 | 47,711,000 | 48,041,000 | 50,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,470,000 | 310,463,000 | 302,959,000 | 313,079,000 |
| Interest-bearing deposits | 273,400,000 | 259,974,000 | 255,367,000 | 264,441,000 |
| Noninterest-bearing deposits | 49,070,000 | 50,489,000 | 47,592,000 | 48,637,000 |
| Equity capital | 40,132,000 | 39,466,000 | 40,616,000 | 40,298,000 |
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 | 3,871,000 | 7,767,000 | 11,586,000 | 15,347,000 |
| Interest expense | 339,000 | 655,000 | 945,000 | 1,215,000 |
| Net interest income | 3,532,000 | 7,112,000 | 10,641,000 | 14,132,000 |
| Noninterest income | 578,000 | 1,064,000 | 1,705,000 | 2,257,000 |
| Noninterest expense | 2,090,000 | 4,200,000 | 6,325,000 | 8,295,000 |
| Provision for loan losses | 690,000 | 1,155,000 | 1,580,000 | 1,955,000 |
| Pretax income | 1,324,000 | 2,816,000 | 4,459,000 | 6,157,000 |
| Income tax | 302,000 | 691,000 | 1,144,000 | 1,586,000 |
| Net income | 1,022,000 | 2,125,000 | 3,315,000 | 4,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,099,000 | 38,702,000 | 39,893,000 | 39,648,000 |
| Total capital | 42,035,000 | 41,561,000 | 42,673,000 | 42,409,000 |
| Risk-weighted assets | 233,711,000 | 228,366,000 | 221,720,000 | 219,867,000 |