Call reports 2019
CITIZENS BANK AND TRUST — 2019
What CITIZENS BANK AND TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 652,216,000 | 657,461,000 | 665,650,000 | 685,963,000 |
| Total loans | 386,042,000 | 382,638,000 | 385,762,000 | 397,690,000 |
| Allowance for loan losses | 3,667,000 | 3,652,000 | 3,698,000 | 3,782,000 |
| Securities available for sale | 181,685,000 | 223,864,000 | 222,011,000 | 248,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,381,000 | 574,749,000 | 587,604,000 | 589,909,000 |
| Interest-bearing deposits | 332,884,000 | 335,140,000 | 354,593,000 | 357,878,000 |
| Noninterest-bearing deposits | 251,497,000 | 239,608,000 | 233,011,000 | 232,031,000 |
| Equity capital | 50,748,000 | 56,092,000 | 59,868,000 | 58,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,082,000 | 12,391,000 | 18,938,000 | 25,358,000 |
| Interest expense | 517,000 | 1,012,000 | 1,524,000 | 2,013,000 |
| Net interest income | 5,565,000 | 11,379,000 | 17,414,000 | 23,345,000 |
| Noninterest income | 1,570,000 | 3,258,000 | 5,002,000 | 6,756,000 |
| Noninterest expense | 5,193,000 | 10,589,000 | 16,287,000 | 22,430,000 |
| Provision for loan losses | 46,000 | 74,000 | 173,000 | 296,000 |
| Pretax income | 1,895,000 | 3,974,000 | 5,957,000 | 7,726,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,895,000 | 3,974,000 | 5,957,000 | 7,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,636,000 | 49,609,000 | 50,902,000 | 51,483,000 |
| Total capital | 52,303,000 | 53,261,000 | 54,600,000 | 55,265,000 |
| Risk-weighted assets | 415,820,000 | 420,673,000 | 420,397,000 | 434,242,000 |