Call reports 2013
CITIZENS BANK AND TRUST, INC. — 2013
What CITIZENS BANK AND TRUST, INC. 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 | 92,284,000 | 91,595,000 | 91,053,000 | 90,115,000 |
| Total loans | 57,681,000 | 57,462,000 | 58,536,000 | 58,374,000 |
| Allowance for loan losses | 954,000 | 996,000 | 1,028,000 | 1,001,000 |
| Securities available for sale | 12,385,000 | 12,667,000 | 12,069,000 | 11,926,000 |
| Securities held to maturity | 5,613,000 | 5,857,000 | 6,753,000 | 6,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,240,000 | 80,628,000 | 80,046,000 | 78,993,000 |
| Interest-bearing deposits | 72,988,000 | 71,366,000 | 71,033,000 | 70,482,000 |
| Noninterest-bearing deposits | 8,252,000 | 9,262,000 | 9,013,000 | 8,511,000 |
| Equity capital | 9,672,000 | 9,598,000 | 9,610,000 | 9,574,000 |
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 | 1,083,000 | 2,196,000 | 3,304,000 | 4,401,000 |
| Interest expense | 138,000 | 271,000 | 398,000 | 517,000 |
| Net interest income | 945,000 | 1,925,000 | 2,906,000 | 3,884,000 |
| Noninterest income | 186,000 | 382,000 | 575,000 | 786,000 |
| Noninterest expense | 864,000 | 1,796,000 | 2,698,000 | 3,513,000 |
| Provision for loan losses | 63,000 | 126,000 | 159,000 | 192,000 |
| Pretax income | 269,000 | 450,000 | 696,000 | 1,072,000 |
| Income tax | 105,000 | 207,000 | 315,000 | 334,000 |
| Net income | 164,000 | 243,000 | 381,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,555,000 | 9,635,000 | 9,773,000 | 9,779,000 |
| Total capital | 10,382,000 | 10,455,000 | 10,587,000 | 10,585,000 |
| Risk-weighted assets | 66,038,000 | 65,401,000 | 64,904,000 | 64,261,000 |