Call reports 2019
CITIZENS BANK AND TRUST COMPANY — 2019
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 400,766,000 | 399,933,000 | 401,394,000 | 411,643,000 |
| Total loans | 224,491,000 | 221,019,000 | 224,658,000 | 229,484,000 |
| Allowance for loan losses | 2,479,000 | 2,497,000 | 2,526,000 | 2,594,000 |
| Securities available for sale | 109,072,000 | 112,193,000 | 118,213,000 | 114,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,310,000 | 336,154,000 | 335,418,000 | 344,462,000 |
| Interest-bearing deposits | 266,861,000 | 263,599,000 | 266,481,000 | 276,303,000 |
| Noninterest-bearing deposits | 70,449,000 | 72,555,000 | 68,937,000 | 68,159,000 |
| Equity capital | 51,307,000 | 53,301,000 | 54,275,000 | 54,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,973,000 | 7,999,000 | 12,018,000 | 16,036,000 |
| Interest expense | 369,000 | 775,000 | 1,197,000 | 1,632,000 |
| Net interest income | 3,604,000 | 7,224,000 | 10,821,000 | 14,404,000 |
| Noninterest income | 825,000 | 1,803,000 | 2,656,000 | 3,506,000 |
| Noninterest expense | 2,561,000 | 5,375,000 | 8,105,000 | 11,079,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 150,000 |
| Pretax income | 1,843,000 | 3,602,000 | 5,297,000 | 6,683,000 |
| Income tax | 334,000 | 652,000 | 957,000 | 1,200,000 |
| Net income | 1,509,000 | 2,950,000 | 4,340,000 | 5,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,516,000 | 54,382,000 | 55,197,000 | 55,765,000 |
| Total capital | 55,995,000 | 56,879,000 | 57,723,000 | 58,359,000 |
| Risk-weighted assets | 234,100,000 | 233,151,000 | 236,129,000 | 237,586,000 |