Call reports 2020
CITIZENS BANK AND TRUST — 2020
What CITIZENS BANK AND TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 738,825,000 | 893,316,000 | 871,913,000 | 885,969,000 |
| Total loans | 410,087,000 | 526,932,000 | 560,368,000 | 518,597,000 |
| Allowance for loan losses | 3,897,000 | 4,145,000 | 4,457,000 | 5,381,000 |
| Securities available for sale | 287,248,000 | 313,744,000 | 260,176,000 | 299,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 649,815,000 | 783,692,000 | 760,799,000 | 779,745,000 |
| Interest-bearing deposits | 393,826,000 | 439,606,000 | 423,507,000 | 424,797,000 |
| Noninterest-bearing deposits | 255,990,000 | 344,086,000 | 337,292,000 | 354,947,000 |
| Equity capital | 61,042,000 | 73,424,000 | 72,249,000 | 74,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,535,000 | 13,512,000 | 20,796,000 | 29,109,000 |
| Interest expense | 494,000 | 702,000 | 890,000 | 1,066,000 |
| Net interest income | 6,041,000 | 12,810,000 | 19,906,000 | 28,043,000 |
| Noninterest income | 1,798,000 | 3,410,000 | 5,280,000 | 7,310,000 |
| Noninterest expense | 5,822,000 | 11,460,000 | 18,131,000 | 24,495,000 |
| Provision for loan losses | 155,000 | 421,000 | 761,000 | 1,876,000 |
| Pretax income | 2,023,000 | 4,499,000 | 9,474,000 | 12,161,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,023,000 | 4,499,000 | 9,474,000 | 12,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,977,000 | 55,393,000 | 58,449,000 | 61,082,000 |
| Total capital | 56,874,000 | 59,538,000 | 62,905,000 | 66,464,000 |
| Risk-weighted assets | 457,302,000 | 459,143,000 | 474,280,000 | 503,175,000 |