Call reports 2019
CITIZENS DEPOSIT BANK & TRUST, INC. — 2019
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 459,631,000 | 470,018,000 | 475,493,000 | 552,890,000 |
| Total loans | 280,621,000 | 272,885,000 | 275,824,000 | 318,193,000 |
| Allowance for loan losses | 2,819,000 | 2,733,000 | 2,595,000 | 2,358,000 |
| Securities available for sale | 145,776,000 | 147,025,000 | 149,466,000 | 198,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,857,000 | 409,275,000 | 413,616,000 | 488,549,000 |
| Interest-bearing deposits | 314,568,000 | 319,052,000 | 321,388,000 | 387,560,000 |
| Noninterest-bearing deposits | 87,289,000 | 90,223,000 | 92,228,000 | 100,989,000 |
| Equity capital | 43,855,000 | 46,793,000 | 48,445,000 | 51,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,646,000 | 9,486,000 | 14,237,000 | 19,535,000 |
| Interest expense | 649,000 | 1,418,000 | 2,204,000 | 3,049,000 |
| Net interest income | 3,997,000 | 8,068,000 | 12,033,000 | 16,486,000 |
| Noninterest income | 709,000 | 1,447,000 | 2,300,000 | 2,734,000 |
| Noninterest expense | 2,877,000 | 5,764,000 | 8,650,000 | 11,812,000 |
| Provision for loan losses | 95,000 | 35,000 | -5,000 | -185,000 |
| Pretax income | 1,734,000 | 3,716,000 | 5,704,000 | 7,609,000 |
| Income tax | 355,000 | 773,000 | 1,187,000 | 1,597,000 |
| Net income | 1,379,000 | 2,943,000 | 4,517,000 | 6,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,803,000 | 41,371,000 | 42,948,000 | 45,108,000 |
| Total capital | 42,622,000 | 44,104,000 | 45,543,000 | 47,466,000 |
| Risk-weighted assets | 288,927,000 | 285,518,000 | 287,823,000 | 337,022,000 |