Call reports 2018
CITIZENS BANK AND TRUST — 2018
What CITIZENS BANK AND TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 605,009,000 | 658,162,000 | 638,123,000 | 634,947,000 |
| Total loans | 371,002,000 | 377,169,000 | 383,946,000 | 384,367,000 |
| Allowance for loan losses | 3,609,000 | 3,616,000 | 3,648,000 | 3,652,000 |
| Securities available for sale | 181,566,000 | 191,912,000 | 206,482,000 | 205,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 543,452,000 | 579,150,000 | 567,641,000 | 548,254,000 |
| Interest-bearing deposits | 319,234,000 | 341,482,000 | 332,835,000 | 321,483,000 |
| Noninterest-bearing deposits | 224,218,000 | 237,668,000 | 234,807,000 | 226,770,000 |
| Equity capital | 42,799,000 | 43,082,000 | 42,950,000 | 45,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,189,000 | 11,076,000 | 16,885,000 | 22,978,000 |
| Interest expense | 303,000 | 716,000 | 1,194,000 | 1,771,000 |
| Net interest income | 4,886,000 | 10,360,000 | 15,691,000 | 21,207,000 |
| Noninterest income | 1,514,000 | 3,159,000 | 4,766,000 | 6,068,000 |
| Noninterest expense | 5,144,000 | 10,199,000 | 15,319,000 | 20,301,000 |
| Provision for loan losses | 8,000 | 44,000 | 162,000 | 240,000 |
| Pretax income | 1,232,000 | 3,260,000 | 4,960,000 | 6,718,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,232,000 | 3,260,000 | 4,960,000 | 6,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,111,000 | 45,941,000 | 47,120,000 | 46,818,000 |
| Total capital | 48,720,000 | 49,557,000 | 50,768,000 | 50,470,000 |
| Risk-weighted assets | 371,314,000 | 383,046,000 | 395,506,000 | 412,789,000 |