Call reports 2017
CITIZENS BANK AND TRUST COMPANY — 2017
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 368,121,000 | 371,337,000 | 370,110,000 | 374,321,000 |
| Total loans | 187,350,000 | 189,988,000 | 190,067,000 | 193,576,000 |
| Allowance for loan losses | 2,257,000 | 2,261,000 | 2,262,000 | 2,237,000 |
| Securities available for sale | 91,969,000 | 90,192,000 | 93,491,000 | 95,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,231,000 | 314,058,000 | 312,463,000 | 314,550,000 |
| Interest-bearing deposits | 252,316,000 | 252,898,000 | 251,634,000 | 251,641,000 |
| Noninterest-bearing deposits | 57,915,000 | 61,160,000 | 60,829,000 | 62,909,000 |
| Equity capital | 46,290,000 | 47,132,000 | 47,665,000 | 47,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,134,000 | 6,277,000 | 9,583,000 | 12,841,000 |
| Interest expense | 265,000 | 526,000 | 793,000 | 1,058,000 |
| Net interest income | 2,869,000 | 5,751,000 | 8,790,000 | 11,783,000 |
| Noninterest income | 737,000 | 1,510,000 | 2,297,000 | 3,240,000 |
| Noninterest expense | 2,299,000 | 4,536,000 | 6,885,000 | 9,366,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,307,000 | 2,725,000 | 4,202,000 | 5,657,000 |
| Income tax | 348,000 | 735,000 | 1,143,000 | 1,862,000 |
| Net income | 959,000 | 1,990,000 | 3,059,000 | 3,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,715,000 | 48,271,000 | 48,865,000 | 49,513,000 |
| Total capital | 49,972,000 | 50,532,000 | 51,127,000 | 51,750,000 |
| Risk-weighted assets | 198,840,000 | 198,853,000 | 200,251,000 | 202,959,000 |