Call reports 2016
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2016
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 203,508,000 | 202,406,000 | 205,411,000 | 205,740,000 |
| Total loans | 63,292,000 | 63,186,000 | 61,024,000 | 59,031,000 |
| Allowance for loan losses | 1,004,000 | 980,000 | 976,000 | 970,000 |
| Securities available for sale | 78,097,000 | 77,604,000 | 79,546,000 | 86,763,000 |
| Securities held to maturity | 40,993,000 | 40,964,000 | 40,969,000 | 43,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,706,000 | 167,537,000 | 169,936,000 | 172,231,000 |
| Interest-bearing deposits | 124,492,000 | 121,433,000 | 123,691,000 | 126,100,000 |
| Noninterest-bearing deposits | 44,214,000 | 46,104,000 | 46,245,000 | 46,131,000 |
| Equity capital | 34,238,000 | 34,316,000 | 34,817,000 | 32,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,245,000 | 4,830,000 | 6,383,000 |
| Interest expense | 91,000 | 182,000 | 274,000 | 384,000 |
| Net interest income | 1,539,000 | 3,063,000 | 4,556,000 | 5,999,000 |
| Noninterest income | 209,000 | 563,000 | 767,000 | 1,008,000 |
| Noninterest expense | 1,336,000 | 2,495,000 | 3,804,000 | 5,047,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 513,000 | 1,232,000 | 1,620,000 | 1,971,000 |
| Income tax | 83,000 | 248,000 | 284,000 | 249,000 |
| Net income | 430,000 | 984,000 | 1,336,000 | 1,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,047,000 | 32,922,000 | 33,274,000 | 32,853,000 |
| Total capital | 34,051,000 | 33,902,000 | 34,250,000 | 33,823,000 |
| Risk-weighted assets | 95,098,000 | 95,134,000 | 94,926,000 | 95,628,000 |