Call reports 2016
CITIZENS BANK AND TRUST COMPANY — 2016
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 348,438,000 | 351,977,000 | 354,519,000 | 364,306,000 |
| Total loans | 184,762,000 | 186,140,000 | 186,192,000 | 185,140,000 |
| Allowance for loan losses | 2,224,000 | 2,223,000 | 2,232,000 | 2,256,000 |
| Securities available for sale | 85,959,000 | 85,393,000 | 85,726,000 | 90,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,071,000 | 296,239,000 | 298,191,000 | 305,514,000 |
| Interest-bearing deposits | 243,387,000 | 244,965,000 | 243,462,000 | 248,699,000 |
| Noninterest-bearing deposits | 49,684,000 | 51,274,000 | 54,729,000 | 56,815,000 |
| Equity capital | 45,303,000 | 45,481,000 | 46,237,000 | 45,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,041,000 | 6,101,000 | 9,158,000 | 12,226,000 |
| Interest expense | 294,000 | 581,000 | 855,000 | 1,127,000 |
| Net interest income | 2,747,000 | 5,520,000 | 8,303,000 | 11,099,000 |
| Noninterest income | 716,000 | 1,482,000 | 2,244,000 | 3,057,000 |
| Noninterest expense | 2,191,000 | 4,405,000 | 6,688,000 | 9,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,272,000 | 2,597,000 | 3,860,000 | 5,106,000 |
| Income tax | 330,000 | 682,000 | 1,013,000 | 1,352,000 |
| Net income | 942,000 | 1,915,000 | 2,847,000 | 3,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,444,000 | 45,393,000 | 46,325,000 | 47,231,000 |
| Total capital | 47,668,000 | 47,616,000 | 48,557,000 | 49,487,000 |
| Risk-weighted assets | 196,418,000 | 196,365,000 | 197,128,000 | 198,042,000 |