Call reports 2013
CITIZENS TRI-COUNTY BANK — 2013
What CITIZENS TRI-COUNTY BANK 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 | 613,623,000 | 601,341,000 | 594,955,000 | 594,167,000 |
| Total loans | 288,161,000 | 292,516,000 | 292,591,000 | 292,254,000 |
| Allowance for loan losses | 6,584,000 | 6,487,000 | 6,281,000 | 6,663,000 |
| Securities available for sale | 212,103,000 | 222,660,000 | 216,055,000 | 214,649,000 |
| Securities held to maturity | 6,000 | 5,000 | 5,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,749,000 | 536,140,000 | 532,477,000 | 534,053,000 |
| Interest-bearing deposits | 465,408,000 | 455,479,000 | 454,282,000 | 455,085,000 |
| Noninterest-bearing deposits | 79,341,000 | 80,661,000 | 78,195,000 | 78,968,000 |
| Equity capital | 64,598,000 | 60,857,000 | 57,903,000 | 55,781,000 |
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 | 6,497,000 | 12,951,000 | 19,458,000 | 26,087,000 |
| Interest expense | 939,000 | 1,847,000 | 2,738,000 | 3,596,000 |
| Net interest income | 5,558,000 | 11,104,000 | 16,720,000 | 22,491,000 |
| Noninterest income | 1,165,000 | 2,354,000 | 3,445,000 | 4,404,000 |
| Noninterest expense | 4,228,000 | 8,422,000 | 12,674,000 | 16,959,000 |
| Provision for loan losses | 395,000 | 755,000 | 1,266,000 | 1,806,000 |
| Pretax income | 2,153,000 | 4,334,000 | 6,288,000 | 8,250,000 |
| Income tax | 125,000 | 275,000 | 402,000 | 531,000 |
| Net income | 2,028,000 | 4,059,000 | 5,886,000 | 7,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,843,000 | 55,435,000 | 54,825,000 | 53,970,000 |
| Total capital | 58,936,000 | 59,573,000 | 58,980,000 | 58,161,000 |
| Risk-weighted assets | 324,942,000 | 328,730,000 | 330,287,000 | 332,843,000 |