Call reports 2020
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2020
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 211,969,000 | 231,576,000 | 236,002,000 | 247,697,000 |
| Total loans | 64,962,000 | 64,801,000 | 63,328,000 | 62,901,000 |
| Allowance for loan losses | 744,000 | 782,000 | 803,000 | 795,000 |
| Securities available for sale | 130,112,000 | 143,331,000 | 146,830,000 | 157,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,141,000 | 189,617,000 | 193,176,000 | 204,474,000 |
| Interest-bearing deposits | 122,484,000 | 124,547,000 | 126,844,000 | 135,991,000 |
| Noninterest-bearing deposits | 52,657,000 | 65,070,000 | 66,332,000 | 68,483,000 |
| Equity capital | 36,124,000 | 39,804,000 | 40,388,000 | 40,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,381,000 | 5,066,000 | 6,775,000 |
| Interest expense | 134,000 | 272,000 | 404,000 | 517,000 |
| Net interest income | 1,572,000 | 3,109,000 | 4,662,000 | 6,258,000 |
| Noninterest income | 258,000 | 470,000 | 738,000 | 1,001,000 |
| Noninterest expense | 1,286,000 | 2,453,000 | 3,697,000 | 4,968,000 |
| Provision for loan losses | 35,000 | 70,000 | 105,000 | 105,000 |
| Pretax income | 511,000 | 1,061,000 | 1,605,000 | 2,193,000 |
| Income tax | 45,000 | 85,000 | 116,000 | 99,000 |
| Net income | 466,000 | 976,000 | 1,489,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,256,000 | 34,965,000 | 35,479,000 | 35,283,000 |