Call reports 2015
CITIZENS DEPOSIT BANK & TRUST, INC. — 2015
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 388,304,000 | 387,488,000 | 384,076,000 | 389,450,000 |
| Total loans | 238,393,000 | 247,736,000 | 241,110,000 | 240,333,000 |
| Allowance for loan losses | 2,254,000 | 2,383,000 | 2,370,000 | 2,333,000 |
| Securities available for sale | 97,804,000 | 104,834,000 | 107,043,000 | 118,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,492,000 | 336,285,000 | 331,550,000 | 335,532,000 |
| Interest-bearing deposits | 266,762,000 | 264,326,000 | 261,159,000 | 259,427,000 |
| Noninterest-bearing deposits | 69,730,000 | 71,959,000 | 70,391,000 | 76,105,000 |
| Equity capital | 40,656,000 | 40,217,000 | 40,904,000 | 40,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,559,000 | 7,152,000 | 10,780,000 | 14,336,000 |
| Interest expense | 244,000 | 492,000 | 736,000 | 976,000 |
| Net interest income | 3,315,000 | 6,660,000 | 10,044,000 | 13,360,000 |
| Noninterest income | 617,000 | 1,362,000 | 2,129,000 | 2,628,000 |
| Noninterest expense | 2,504,000 | 5,030,000 | 7,537,000 | 9,974,000 |
| Provision for loan losses | -110,000 | 25,000 | 40,000 | 90,000 |
| Pretax income | 1,538,000 | 2,967,000 | 4,596,000 | 5,924,000 |
| Income tax | 524,000 | 1,022,000 | 1,584,000 | 2,041,000 |
| Net income | 1,014,000 | 1,945,000 | 3,012,000 | 3,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,140,000 | 35,351,000 | 35,666,000 | 35,908,000 |
| Total capital | 37,394,000 | 37,734,000 | 38,036,000 | 38,241,000 |
| Risk-weighted assets | 231,123,000 | 241,088,000 | 234,707,000 | 236,673,000 |