Call reports 2017
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2017
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 211,758,000 | 208,881,000 | 205,786,000 | 208,148,000 |
| Total loans | 56,913,000 | 61,119,000 | 59,822,000 | 59,183,000 |
| Allowance for loan losses | 907,000 | 741,000 | 734,000 | 733,000 |
| Securities available for sale | 135,861,000 | 131,647,000 | 128,861,000 | 131,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,934,000 | 173,274,000 | 169,960,000 | 173,399,000 |
| Interest-bearing deposits | 130,705,000 | 124,962,000 | 122,973,000 | 126,436,000 |
| Noninterest-bearing deposits | 46,229,000 | 48,312,000 | 46,987,000 | 46,963,000 |
| Equity capital | 34,191,000 | 34,928,000 | 35,188,000 | 34,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,253,000 | 4,877,000 | 6,503,000 |
| Interest expense | 94,000 | 191,000 | 286,000 | 381,000 |
| Net interest income | 1,537,000 | 3,062,000 | 4,591,000 | 6,122,000 |
| Noninterest income | 225,000 | 314,000 | 568,000 | 806,000 |
| Noninterest expense | 1,325,000 | 2,482,000 | 3,743,000 | 4,941,000 |
| Provision for loan losses | -40,000 | -190,000 | -190,000 | -160,000 |
| Pretax income | 484,000 | 1,179,000 | 1,759,000 | 2,300,000 |
| Income tax | 66,000 | 251,000 | 342,000 | 422,000 |
| Net income | 418,000 | 928,000 | 1,417,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,272,000 | 33,101,000 | 33,591,000 | 33,138,000 |
| Total capital | 34,179,000 | 33,842,000 | 34,325,000 | 33,871,000 |
| Risk-weighted assets | 94,328,000 | 99,146,000 | 98,281,000 | 98,438,000 |