Call reports 2016
CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA — 2016
What CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 139,902,000 | 137,291,000 | 136,857,000 | 137,975,000 |
| Total loans | 82,795,000 | 82,929,000 | 85,007,000 | 80,442,000 |
| Allowance for loan losses | 716,000 | 759,000 | 749,000 | 733,000 |
| Securities available for sale | 38,517,000 | 34,762,000 | 37,811,000 | 36,302,000 |
| Securities held to maturity | 239,000 | 239,000 | 239,000 | 129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,349,000 | 117,684,000 | 117,232,000 | 119,541,000 |
| Interest-bearing deposits | 89,087,000 | 87,576,000 | 86,734,000 | 90,177,000 |
| Noninterest-bearing deposits | 31,262,000 | 30,108,000 | 30,498,000 | 29,364,000 |
| Equity capital | 18,203,000 | 18,184,000 | 18,156,000 | 17,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,602,000 | 3,203,000 | 4,786,000 | 6,313,000 |
| Interest expense | 148,000 | 295,000 | 441,000 | 594,000 |
| Net interest income | 1,454,000 | 2,908,000 | 4,345,000 | 5,719,000 |
| Noninterest income | 845,000 | 1,576,000 | 2,148,000 | 2,848,000 |
| Noninterest expense | 1,980,000 | 3,896,000 | 5,716,000 | 7,548,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 264,000 | 582,000 | 768,000 | 950,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 264,000 | 582,000 | 768,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,336,000 | 16,369,000 | 16,432,000 | 16,614,000 |
| Total capital | 17,052,000 | 17,128,000 | 17,181,000 | 17,347,000 |
| Risk-weighted assets | 82,810,000 | 82,443,000 | 83,732,000 | 79,351,000 |