Call reports 2015
CITIZENS BANK AND TRUST COMPANY — 2015
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 341,189,000 | 343,865,000 | 347,190,000 | 346,898,000 |
| Total loans | 182,605,000 | 183,028,000 | 184,883,000 | 182,635,000 |
| Allowance for loan losses | 2,294,000 | 2,277,000 | 2,237,000 | 2,218,000 |
| Securities available for sale | 103,833,000 | 98,727,000 | 94,855,000 | 85,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,661,000 | 291,692,000 | 294,552,000 | 294,272,000 |
| Interest-bearing deposits | 239,967,000 | 240,369,000 | 242,256,000 | 244,557,000 |
| Noninterest-bearing deposits | 48,694,000 | 51,323,000 | 52,296,000 | 49,715,000 |
| Equity capital | 42,873,000 | 42,700,000 | 43,310,000 | 43,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,119,000 | 6,230,000 | 9,342,000 | 12,427,000 |
| Interest expense | 355,000 | 689,000 | 1,022,000 | 1,332,000 |
| Net interest income | 2,764,000 | 5,541,000 | 8,320,000 | 11,095,000 |
| Noninterest income | 1,097,000 | 1,875,000 | 2,608,000 | 3,371,000 |
| Noninterest expense | 2,208,000 | 4,407,000 | 6,690,000 | 9,143,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,653,000 | 3,014,000 | 4,243,000 | 5,329,000 |
| Income tax | 453,000 | 806,000 | 1,117,000 | 1,372,000 |
| Net income | 1,200,000 | 2,208,000 | 3,126,000 | 3,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,070,000 | 43,403,000 | 43,671,000 | 44,502,000 |
| Total capital | 45,364,000 | 45,680,000 | 45,908,000 | 46,720,000 |
| Risk-weighted assets | 192,458,000 | 192,173,000 | 194,081,000 | 191,351,000 |