Call reports 2018
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2018
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 211,925,000 | 207,911,000 | 206,296,000 | 207,823,000 |
| Total loans | 61,974,000 | 62,254,000 | 62,440,000 | 63,699,000 |
| Allowance for loan losses | 792,000 | 785,000 | 778,000 | 759,000 |
| Securities available for sale | 134,804,000 | 128,253,000 | 125,445,000 | 128,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,394,000 | 174,558,000 | 172,986,000 | 173,013,000 |
| Interest-bearing deposits | 130,878,000 | 125,066,000 | 122,764,000 | 122,614,000 |
| Noninterest-bearing deposits | 47,516,000 | 49,492,000 | 50,222,000 | 50,399,000 |
| Equity capital | 32,965,000 | 32,661,000 | 32,465,000 | 33,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,686,000 | 3,465,000 | 5,259,000 | 7,068,000 |
| Interest expense | 97,000 | 197,000 | 294,000 | 397,000 |
| Net interest income | 1,589,000 | 3,268,000 | 4,965,000 | 6,671,000 |
| Noninterest income | 266,000 | 543,000 | 828,000 | 1,111,000 |
| Noninterest expense | 1,356,000 | 2,511,000 | 3,809,000 | 5,056,000 |
| Provision for loan losses | 60,000 | 60,000 | 40,000 | 40,000 |
| Pretax income | 444,000 | 1,326,000 | 2,048,000 | 2,794,000 |
| Income tax | 29,000 | 170,000 | 271,000 | 233,000 |
| Net income | 415,000 | 1,156,000 | 1,777,000 | 2,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,522,000 | 33,584,000 | 34,205,000 | 34,264,000 |
| Total capital | 34,314,000 | 34,369,000 | 34,983,000 | 35,023,000 |
| Risk-weighted assets | 103,117,000 | 101,237,000 | 100,602,000 | 102,975,000 |