Call reports 2016
CITIZENS DEPOSIT BANK & TRUST, INC. — 2016
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 393,816,000 | 404,045,000 | 403,077,000 | 414,485,000 |
| Total loans | 254,455,000 | 271,721,000 | 272,598,000 | 277,221,000 |
| Allowance for loan losses | 2,453,000 | 2,581,000 | 2,616,000 | 2,514,000 |
| Securities available for sale | 113,535,000 | 107,661,000 | 100,674,000 | 101,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,991,000 | 337,311,000 | 344,117,000 | 355,958,000 |
| Interest-bearing deposits | 255,882,000 | 260,338,000 | 266,631,000 | 273,728,000 |
| Noninterest-bearing deposits | 82,108,000 | 76,973,000 | 77,486,000 | 82,230,000 |
| Equity capital | 41,581,000 | 42,364,000 | 42,495,000 | 40,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,664,000 | 7,423,000 | 11,331,000 | 15,252,000 |
| Interest expense | 217,000 | 427,000 | 671,000 | 932,000 |
| Net interest income | 3,447,000 | 6,996,000 | 10,660,000 | 14,320,000 |
| Noninterest income | 717,000 | 1,528,000 | 2,036,000 | 2,818,000 |
| Noninterest expense | 2,376,000 | 4,810,000 | 7,260,000 | 9,615,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 1,653,000 | 3,444,000 | 5,031,000 | 6,983,000 |
| Income tax | 578,000 | 1,202,000 | 1,754,000 | 2,436,000 |
| Net income | 1,075,000 | 2,242,000 | 3,277,000 | 4,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,293,000 | 36,603,000 | 36,727,000 | 37,211,000 |
| Total capital | 38,746,000 | 39,184,000 | 39,343,000 | 39,725,000 |
| Risk-weighted assets | 252,558,000 | 263,273,000 | 267,451,000 | 277,265,000 |