Call reports 2021
CITIZENS BANK AND TRUST — 2021
What CITIZENS BANK AND TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 986,700,000 | 1,044,722,000 | 1,183,107,000 | 1,214,010,000 |
| Total loans | 529,154,000 | 508,763,000 | 492,739,000 | 498,028,000 |
| Allowance for loan losses | 5,420,000 | 5,429,000 | 5,470,000 | 5,527,000 |
| Securities available for sale | 400,145,000 | 479,058,000 | 631,045,000 | 654,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 887,602,000 | 927,589,000 | 1,040,846,000 | 1,086,820,000 |
| Interest-bearing deposits | 477,645,000 | 517,271,000 | 615,975,000 | 646,203,000 |
| Noninterest-bearing deposits | 409,957,000 | 410,318,000 | 424,871,000 | 440,617,000 |
| Equity capital | 68,566,000 | 71,805,000 | 94,379,000 | 89,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,708,000 | 15,723,000 | 24,088,000 | 32,064,000 |
| Interest expense | 166,000 | 342,000 | 534,000 | 757,000 |
| Net interest income | 7,542,000 | 15,381,000 | 23,554,000 | 31,307,000 |
| Noninterest income | 1,888,000 | 4,125,000 | 6,320,000 | 8,607,000 |
| Noninterest expense | 6,174,000 | 12,932,000 | 20,202,000 | 26,426,000 |
| Provision for loan losses | 9,000 | 35,000 | 153,000 | 260,000 |
| Pretax income | 3,247,000 | 6,539,000 | 9,519,000 | 13,228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,247,000 | 6,539,000 | 9,519,000 | 13,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,971,000 | 64,321,000 | 87,246,000 | 90,052,000 |
| Total capital | 67,391,000 | 69,750,000 | 92,716,000 | 95,579,000 |
| Risk-weighted assets | 531,814,000 | 543,801,000 | 583,046,000 | 626,748,000 |