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 | 807,863,000 | 826,761,000 | 866,071,000 | 929,947,000 |
| Total loans | 481,765,000 | 499,102,000 | 512,629,000 | 585,002,000 |
| Allowance for loan losses | 8,670,000 | 8,929,000 | 8,928,000 | 6,991,000 |
| Securities available for sale | 212,616,000 | 231,412,000 | 255,865,000 | 244,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 655,433,000 | 627,908,000 | 632,928,000 | 649,796,000 |
| Interest-bearing deposits | 551,229,000 | 526,767,000 | 537,656,000 | 552,011,000 |
| Noninterest-bearing deposits | 104,204,000 | 101,141,000 | 95,272,000 | 97,785,000 |
| Equity capital | 92,743,000 | 91,205,000 | 90,902,000 | 90,123,000 |
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 | 6,626,000 | 12,857,000 | 19,705,000 | 27,038,000 |
| Interest expense | 807,000 | 1,560,000 | 2,300,000 | 3,085,000 |
| Net interest income | 5,819,000 | 11,297,000 | 17,405,000 | 23,953,000 |
| Noninterest income | 2,116,000 | 4,747,000 | 6,704,000 | 9,151,000 |
| Noninterest expense | 7,442,000 | 14,744,000 | 21,716,000 | 29,493,000 |
| Provision for loan losses | 21,000 | 53,000 | 86,000 | 1,617,000 |
| Pretax income | 885,000 | 1,660,000 | 2,983,000 | 2,670,000 |
| Income tax | 140,000 | 180,000 | 340,000 | 410,000 |
| Net income | 745,000 | 1,480,000 | 2,643,000 | 2,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,189,000 | 80,735,000 | 80,703,000 | 79,992,000 |
| Total capital | 87,109,000 | 87,947,000 | 88,271,000 | 86,983,000 |
| Risk-weighted assets | 551,826,000 | 575,219,000 | 604,091,000 | 646,537,000 |