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 | 130,872,000 | 135,523,000 | 138,398,000 | 142,824,000 |
| Total loans | 90,857,000 | 97,942,000 | 105,150,000 | 105,257,000 |
| Allowance for loan losses | 962,000 | 966,000 | 963,000 | 999,000 |
| Securities available for sale | 915,000 | 659,000 | 655,000 | 452,000 |
| Securities held to maturity | 25,094,000 | 25,406,000 | 25,023,000 | 25,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,256,000 | 109,423,000 | 106,226,000 | 113,300,000 |
| Interest-bearing deposits | 92,024,000 | 93,748,000 | 90,034,000 | 88,981,000 |
| Noninterest-bearing deposits | 19,232,000 | 15,675,000 | 16,192,000 | 24,319,000 |
| Equity capital | 12,743,000 | 13,273,000 | 13,566,000 | 13,738,000 |
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 | 1,536,000 | 3,097,000 | 4,736,000 | 6,390,000 |
| Interest expense | 209,000 | 413,000 | 631,000 | 843,000 |
| Net interest income | 1,327,000 | 2,684,000 | 4,105,000 | 5,547,000 |
| Noninterest income | 81,000 | 158,000 | 255,000 | 371,000 |
| Noninterest expense | 755,000 | 1,508,000 | 2,252,000 | 3,223,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 653,000 | 1,334,000 | 2,108,000 | 2,545,000 |
| Income tax | 135,000 | 282,000 | 460,000 | 522,000 |
| Net income | 518,000 | 1,052,000 | 1,648,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,695,000 | 13,235,000 | 13,538,000 | 13,718,000 |
| Total capital | 13,657,000 | 14,201,000 | 14,501,000 | 14,717,000 |
| Risk-weighted assets | 113,758,000 | 115,541,000 | 116,737,000 | 118,715,000 |