Call reports 2021
CITIZENS BANK AND TRUST COMPANY — 2021
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 526,342,000 | 533,003,000 | 541,182,000 | 566,719,000 |
| Total loans | 229,344,000 | 232,900,000 | 225,643,000 | 212,763,000 |
| Allowance for loan losses | 2,997,000 | 2,993,000 | 2,926,000 | 2,761,000 |
| Securities available for sale | 193,550,000 | 199,813,000 | 216,711,000 | 246,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,639,000 | 461,870,000 | 472,638,000 | 496,401,000 |
| Interest-bearing deposits | 334,171,000 | 349,483,000 | 357,447,000 | 374,453,000 |
| Noninterest-bearing deposits | 120,468,000 | 112,387,000 | 115,191,000 | 121,948,000 |
| Equity capital | 57,528,000 | 58,613,000 | 58,768,000 | 59,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,799,000 | 7,501,000 | 11,353,000 | 15,255,000 |
| Interest expense | 341,000 | 656,000 | 954,000 | 1,231,000 |
| Net interest income | 3,458,000 | 6,845,000 | 10,399,000 | 14,024,000 |
| Noninterest income | 981,000 | 2,072,000 | 3,031,000 | 3,992,000 |
| Noninterest expense | 2,386,000 | 4,892,000 | 7,786,000 | 10,683,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -265,000 |
| Pretax income | 2,055,000 | 4,027,000 | 5,737,000 | 7,593,000 |
| Income tax | 396,000 | 777,000 | 1,105,000 | 1,465,000 |
| Net income | 1,659,000 | 3,250,000 | 4,632,000 | 6,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,251,000 | 60,017,000 | 60,724,000 | 61,645,000 |