Call reports 2016
CITIZENS BANK AND TRUST — 2016
What CITIZENS BANK AND TRUST 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 | 491,532,000 | 516,337,000 | 518,082,000 | 533,143,000 |
| Total loans | 318,422,000 | 342,368,000 | 346,643,000 | 356,477,000 |
| Allowance for loan losses | 4,029,000 | 4,018,000 | 3,876,000 | 3,733,000 |
| Securities available for sale | 142,420,000 | 141,381,000 | 138,385,000 | 142,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,997,000 | 441,090,000 | 446,565,000 | 458,750,000 |
| Interest-bearing deposits | 264,699,000 | 269,056,000 | 273,555,000 | 276,537,000 |
| Noninterest-bearing deposits | 165,297,000 | 172,033,000 | 173,010,000 | 182,213,000 |
| Equity capital | 43,834,000 | 43,641,000 | 45,364,000 | 41,988,000 |
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 | 4,242,000 | 8,644,000 | 13,175,000 | 17,793,000 |
| Interest expense | 192,000 | 383,000 | 578,000 | 790,000 |
| Net interest income | 4,050,000 | 8,261,000 | 12,597,000 | 17,003,000 |
| Noninterest income | 1,061,000 | 2,380,000 | 4,058,000 | 5,353,000 |
| Noninterest expense | 4,344,000 | 8,762,000 | 13,362,000 | 17,958,000 |
| Provision for loan losses | 20,000 | 50,000 | -62,000 | -45,000 |
| Pretax income | 923,000 | 2,019,000 | 3,545,000 | 4,633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 923,000 | 2,019,000 | 3,545,000 | 4,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,804,000 | 41,056,000 | 42,501,000 | 43,084,000 |
| Total capital | 46,656,000 | 45,074,000 | 46,377,000 | 46,817,000 |
| Risk-weighted assets | 307,988,000 | 331,698,000 | 334,939,000 | 346,471,000 |