Call reports 2017
CITIZENS DEPOSIT BANK & TRUST, INC. — 2017
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 421,058,000 | 419,239,000 | 425,147,000 | 422,395,000 |
| Total loans | 274,549,000 | 274,609,000 | 270,862,000 | 271,220,000 |
| Allowance for loan losses | 2,581,000 | 2,758,000 | 2,854,000 | 2,598,000 |
| Securities available for sale | 113,313,000 | 119,924,000 | 119,420,000 | 119,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,129,000 | 360,298,000 | 365,486,000 | 366,569,000 |
| Interest-bearing deposits | 272,470,000 | 274,122,000 | 276,713,000 | 278,191,000 |
| Noninterest-bearing deposits | 89,659,000 | 86,176,000 | 88,773,000 | 88,378,000 |
| Equity capital | 41,827,000 | 42,443,000 | 42,769,000 | 41,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,908,000 | 7,879,000 | 11,886,000 | 15,978,000 |
| Interest expense | 269,000 | 553,000 | 851,000 | 1,158,000 |
| Net interest income | 3,639,000 | 7,326,000 | 11,035,000 | 14,820,000 |
| Noninterest income | 769,000 | 1,546,000 | 2,348,000 | 2,956,000 |
| Noninterest expense | 2,422,000 | 4,997,000 | 7,508,000 | 9,904,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 500,000 |
| Pretax income | 1,836,000 | 3,525,000 | 5,375,000 | 7,372,000 |
| Income tax | 639,000 | 1,225,000 | 1,866,000 | 2,872,000 |
| Net income | 1,197,000 | 2,300,000 | 3,509,000 | 4,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,483,000 | 37,786,000 | 38,179,000 | 38,241,000 |
| Total capital | 40,064,000 | 40,544,000 | 41,033,000 | 40,839,000 |
| Risk-weighted assets | 275,642,000 | 275,367,000 | 271,873,000 | 275,979,000 |