Call reports 2015
CITIZENS BANK AND TRUST — 2015
What CITIZENS BANK AND TRUST 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 | 457,776,000 | 462,982,000 | 480,293,000 | 486,170,000 |
| Total loans | 300,084,000 | 304,304,000 | 302,108,000 | 312,149,000 |
| Allowance for loan losses | 4,875,000 | 4,881,000 | 4,385,000 | 4,025,000 |
| Securities available for sale | 91,032,000 | 122,398,000 | 125,919,000 | 139,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,144,000 | 391,115,000 | 418,150,000 | 410,624,000 |
| Interest-bearing deposits | 249,288,000 | 246,114,000 | 273,203,000 | 257,011,000 |
| Noninterest-bearing deposits | 145,857,000 | 145,001,000 | 144,947,000 | 153,614,000 |
| Equity capital | 43,376,000 | 42,546,000 | 42,098,000 | 41,665,000 |
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 | 4,096,000 | 8,092,000 | 12,270,000 | 16,421,000 |
| Interest expense | 186,000 | 379,000 | 580,000 | 783,000 |
| Net interest income | 3,910,000 | 7,713,000 | 11,690,000 | 15,638,000 |
| Noninterest income | 1,198,000 | 2,473,000 | 3,487,000 | 4,221,000 |
| Noninterest expense | 4,281,000 | 8,818,000 | 13,111,000 | 17,417,000 |
| Provision for loan losses | 4,000 | 17,000 | -472,000 | -770,000 |
| Pretax income | 1,770,000 | 2,298,000 | 3,181,000 | 4,300,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,770,000 | 2,298,000 | 3,181,000 | 4,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,066,000 | 42,471,000 | 41,221,000 | 42,040,000 |
| Total capital | 45,711,000 | 46,209,000 | 44,874,000 | 45,832,000 |
| Risk-weighted assets | 290,442,000 | 297,936,000 | 291,521,000 | 303,160,000 |