Call reports 2020
CITIZENS DEPOSIT BANK & TRUST, INC. — 2020
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 555,919,000 | 580,710,000 | 570,475,000 | 589,651,000 |
| Total loans | 309,751,000 | 327,985,000 | 325,262,000 | 310,680,000 |
| Allowance for loan losses | 2,346,000 | 2,532,000 | 2,576,000 | 2,650,000 |
| Securities available for sale | 210,924,000 | 214,689,000 | 216,391,000 | 200,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,153,000 | 502,287,000 | 492,953,000 | 512,559,000 |
| Interest-bearing deposits | 379,913,000 | 374,122,000 | 366,732,000 | 379,975,000 |
| Noninterest-bearing deposits | 101,240,000 | 128,165,000 | 126,221,000 | 132,584,000 |
| Equity capital | 55,301,000 | 57,501,000 | 58,572,000 | 57,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,241,000 | 10,474,000 | 15,523,000 | 20,518,000 |
| Interest expense | 822,000 | 1,445,000 | 1,910,000 | 2,282,000 |
| Net interest income | 4,419,000 | 9,029,000 | 13,613,000 | 18,236,000 |
| Noninterest income | 851,000 | 1,559,000 | 2,371,000 | 3,175,000 |
| Noninterest expense | 3,210,000 | 6,517,000 | 9,871,000 | 13,252,000 |
| Provision for loan losses | 60,000 | 260,000 | 335,000 | 440,000 |
| Pretax income | 2,000,000 | 3,811,000 | 5,778,000 | 7,719,000 |
| Income tax | 417,000 | 789,000 | 1,209,000 | 1,609,000 |
| Net income | 1,583,000 | 3,022,000 | 4,569,000 | 6,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,481,000 | 46,971,000 | 48,570,000 | 47,470,000 |
| Total capital | 47,827,000 | — | — | — |
| Risk-weighted assets | 328,060,000 | — | — | — |