Call reports 2017
CITIZENS BANK AND TRUST — 2017
What CITIZENS BANK AND TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 537,900,000 | 555,312,000 | 568,187,000 | 573,133,000 |
| Total loans | 361,170,000 | 362,898,000 | 364,397,000 | 374,858,000 |
| Allowance for loan losses | 3,724,000 | 3,718,000 | 3,670,000 | 3,635,000 |
| Securities available for sale | 142,478,000 | 134,583,000 | 142,169,000 | 155,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,539,000 | 491,126,000 | 501,181,000 | 511,434,000 |
| Interest-bearing deposits | 293,298,000 | 299,883,000 | 307,073,000 | 294,788,000 |
| Noninterest-bearing deposits | 182,241,000 | 191,243,000 | 194,108,000 | 216,646,000 |
| Equity capital | 40,882,000 | 42,669,000 | 43,613,000 | 44,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,699,000 | 9,601,000 | 14,518,000 | 19,596,000 |
| Interest expense | 229,000 | 460,000 | 704,000 | 952,000 |
| Net interest income | 4,470,000 | 9,141,000 | 13,814,000 | 18,644,000 |
| Noninterest income | 1,424,000 | 2,908,000 | 4,375,000 | 5,793,000 |
| Noninterest expense | 4,763,000 | 9,502,000 | 14,322,000 | 19,353,000 |
| Provision for loan losses | 3,000 | 27,000 | 37,000 | 60,000 |
| Pretax income | 1,131,000 | 2,702,000 | 4,012,000 | 5,206,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,131,000 | 2,702,000 | 4,012,000 | 5,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,371,000 | 41,668,000 | 42,864,000 | 43,982,000 |
| Total capital | 45,095,000 | 45,386,000 | 46,534,000 | 47,617,000 |
| Risk-weighted assets | 351,651,000 | 352,985,000 | 358,700,000 | 368,930,000 |