Call reports 2018
CITIZENS DEPOSIT BANK & TRUST, INC. — 2018
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 427,423,000 | 429,817,000 | 437,221,000 | 444,842,000 |
| Total loans | 273,474,000 | 278,216,000 | 276,170,000 | 278,036,000 |
| Allowance for loan losses | 2,724,000 | 2,820,000 | 2,811,000 | 2,864,000 |
| Securities available for sale | 112,396,000 | 122,357,000 | 123,628,000 | 135,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,279,000 | 375,147,000 | 382,778,000 | 388,961,000 |
| Interest-bearing deposits | 277,012,000 | 279,950,000 | 290,975,000 | 294,881,000 |
| Noninterest-bearing deposits | 96,267,000 | 95,197,000 | 91,803,000 | 94,080,000 |
| Equity capital | 40,661,000 | 40,755,000 | 40,774,000 | 41,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,044,000 | 8,260,000 | 12,635,000 | 17,227,000 |
| Interest expense | 308,000 | 672,000 | 1,101,000 | 1,612,000 |
| Net interest income | 3,736,000 | 7,588,000 | 11,534,000 | 15,615,000 |
| Noninterest income | 782,000 | 1,603,000 | 2,421,000 | 3,060,000 |
| Noninterest expense | 2,738,000 | 5,501,000 | 8,335,000 | 11,010,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 525,000 |
| Pretax income | 1,630,000 | 3,390,000 | 5,245,000 | 7,140,000 |
| Income tax | 340,000 | 706,000 | 1,091,000 | 1,494,000 |
| Net income | 1,290,000 | 2,684,000 | 4,154,000 | 5,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,710,000 | 39,196,000 | 39,674,000 | 39,420,000 |
| Total capital | 41,434,000 | 42,016,000 | 42,485,000 | 42,284,000 |
| Risk-weighted assets | 275,181,000 | 282,968,000 | 281,417,000 | 285,652,000 |