Call reports 2018
CITIZENS BANK AND TRUST COMPANY — 2018
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 380,638,000 | 380,459,000 | 382,527,000 | 392,464,000 |
| Total loans | 198,307,000 | 207,042,000 | 214,943,000 | 219,207,000 |
| Allowance for loan losses | 2,217,000 | 2,291,000 | 2,283,000 | 2,428,000 |
| Securities available for sale | 96,540,000 | 99,352,000 | 102,812,000 | 106,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,865,000 | 322,606,000 | 323,554,000 | 329,346,000 |
| Interest-bearing deposits | 258,510,000 | 257,176,000 | 259,602,000 | 263,248,000 |
| Noninterest-bearing deposits | 63,355,000 | 65,430,000 | 63,952,000 | 66,098,000 |
| Equity capital | 47,238,000 | 47,951,000 | 48,686,000 | 50,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,337,000 | 6,790,000 | 10,421,000 | 14,221,000 |
| Interest expense | 267,000 | 546,000 | 854,000 | 1,186,000 |
| Net interest income | 3,070,000 | 6,244,000 | 9,567,000 | 13,035,000 |
| Noninterest income | 829,000 | 1,743,000 | 2,625,000 | 3,504,000 |
| Noninterest expense | 2,403,000 | 4,875,000 | 7,393,000 | 10,382,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,496,000 | 3,112,000 | 4,799,000 | 6,007,000 |
| Income tax | 257,000 | 540,000 | 840,000 | 1,038,000 |
| Net income | 1,239,000 | 2,572,000 | 3,959,000 | 4,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,278,000 | 51,136,000 | 52,048,000 | 52,557,000 |
| Total capital | 52,495,000 | 53,427,000 | 54,331,000 | 54,985,000 |
| Risk-weighted assets | 209,547,000 | 218,380,000 | 224,607,000 | 229,316,000 |