Call reports 2015
CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA — 2015
What CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 146,128,000 | 145,629,000 | 142,525,000 | 139,759,000 |
| Total loans | 87,101,000 | 87,061,000 | 85,228,000 | 87,680,000 |
| Allowance for loan losses | 685,000 | 655,000 | 641,000 | 721,000 |
| Securities available for sale | 42,222,000 | 43,612,000 | 43,104,000 | 39,988,000 |
| Securities held to maturity | 544,000 | 239,000 | 239,000 | 239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,826,000 | 127,940,000 | 123,392,000 | 120,480,000 |
| Interest-bearing deposits | 92,060,000 | 95,323,000 | 91,373,000 | 87,866,000 |
| Noninterest-bearing deposits | 35,766,000 | 32,617,000 | 32,019,000 | 32,614,000 |
| Equity capital | 17,865,000 | 17,185,000 | 17,603,000 | 18,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,700,000 | 3,436,000 | 5,141,000 | 6,861,000 |
| Interest expense | 179,000 | 357,000 | 528,000 | 681,000 |
| Net interest income | 1,521,000 | 3,079,000 | 4,613,000 | 6,180,000 |
| Noninterest income | 849,000 | 1,625,000 | 2,482,000 | 3,329,000 |
| Noninterest expense | 1,921,000 | 3,721,000 | 5,721,000 | 7,533,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 255,000 |
| Pretax income | 420,000 | 894,000 | 1,225,000 | 1,734,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 420,000 | 894,000 | 1,225,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,763,000 | 15,734,000 | 15,844,000 | 16,352,000 |
| Total capital | 16,448,000 | 16,389,000 | 16,485,000 | 17,073,000 |
| Risk-weighted assets | 84,157,000 | 85,660,000 | 82,920,000 | 85,754,000 |