Call reports 2019
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2019
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 212,780,000 | 208,492,000 | 205,651,000 | 208,059,000 |
| Total loans | 63,219,000 | 63,065,000 | 63,521,000 | 64,383,000 |
| Allowance for loan losses | 738,000 | 716,000 | 705,000 | 741,000 |
| Securities available for sale | 131,013,000 | 129,597,000 | 125,872,000 | 125,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,378,000 | 171,090,000 | 166,630,000 | 169,537,000 |
| Interest-bearing deposits | 126,041,000 | 120,189,000 | 115,179,000 | 116,890,000 |
| Noninterest-bearing deposits | 50,337,000 | 50,901,000 | 51,451,000 | 52,647,000 |
| Equity capital | 35,738,000 | 36,527,000 | 37,749,000 | 37,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,767,000 | 3,537,000 | 5,264,000 | 6,978,000 |
| Interest expense | 108,000 | 235,000 | 354,000 | 471,000 |
| Net interest income | 1,659,000 | 3,302,000 | 4,910,000 | 6,507,000 |
| Noninterest income | 269,000 | 545,000 | 836,000 | 1,102,000 |
| Noninterest expense | 1,313,000 | 2,494,000 | 3,729,000 | 4,906,000 |
| Provision for loan losses | -35,000 | -55,000 | -55,000 | -15,000 |
| Pretax income | 659,000 | 1,436,000 | 2,108,000 | 2,754,000 |
| Income tax | 81,000 | 190,000 | 273,000 | 311,000 |
| Net income | 578,000 | 1,246,000 | 1,835,000 | 2,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,903,000 | 34,712,000 | 35,301,000 | 34,789,000 |
| Total capital | 35,641,000 | 35,428,000 | 36,006,000 | 35,530,000 |
| Risk-weighted assets | 101,402,000 | 99,899,000 | 98,601,000 | 99,828,000 |