Call reports 2015
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2015
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 200,861,000 | 197,932,000 | 198,847,000 | 201,482,000 |
| Total loans | 64,405,000 | 65,392,000 | 62,362,000 | 63,729,000 |
| Allowance for loan losses | 962,000 | 1,025,000 | 1,004,000 | 1,007,000 |
| Securities available for sale | 75,232,000 | 76,626,000 | 78,394,000 | 77,475,000 |
| Securities held to maturity | 39,513,000 | 39,125,000 | 39,266,000 | 40,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,396,000 | 164,449,000 | 164,324,000 | 167,240,000 |
| Interest-bearing deposits | 127,284,000 | 123,061,000 | 122,170,000 | 121,463,000 |
| Noninterest-bearing deposits | 39,112,000 | 41,388,000 | 42,154,000 | 45,777,000 |
| Equity capital | 33,961,000 | 32,847,000 | 33,888,000 | 33,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,660,000 | 3,335,000 | 4,948,000 | 6,593,000 |
| Interest expense | 97,000 | 193,000 | 287,000 | 396,000 |
| Net interest income | 1,563,000 | 3,142,000 | 4,661,000 | 6,197,000 |
| Noninterest income | 217,000 | 457,000 | 681,000 | 916,000 |
| Noninterest expense | 1,310,000 | 2,614,000 | 3,719,000 | 4,921,000 |
| Provision for loan losses | 30,000 | 110,000 | 90,000 | 120,000 |
| Pretax income | 442,000 | 879,000 | 1,538,000 | 2,090,000 |
| Income tax | 61,000 | 118,000 | 260,000 | 277,000 |
| Net income | 381,000 | 761,000 | 1,278,000 | 1,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,814,000 | 32,314,000 | 32,831,000 | 32,618,000 |
| Total capital | 33,776,000 | 33,339,000 | 33,835,000 | 33,625,000 |
| Risk-weighted assets | 94,847,000 | 96,243,000 | 94,542,000 | 96,506,000 |