Call reports 2021
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2021
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 260,384,000 | 267,524,000 | 274,997,000 | 284,337,000 |
| Total loans | 66,615,000 | 66,895,000 | 70,184,000 | 71,164,000 |
| Allowance for loan losses | 728,000 | 696,000 | 705,000 | 695,000 |
| Securities available for sale | 171,734,000 | 182,700,000 | 185,297,000 | 187,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,886,000 | 225,094,000 | 232,340,000 | 242,661,000 |
| Interest-bearing deposits | 147,815,000 | 152,753,000 | 157,419,000 | 165,050,000 |
| Noninterest-bearing deposits | 71,071,000 | 72,341,000 | 74,921,000 | 77,611,000 |
| Equity capital | 39,601,000 | 40,136,000 | 40,535,000 | 39,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,698,000 | 3,467,000 | 5,263,000 | 7,258,000 |
| Interest expense | 114,000 | 230,000 | 331,000 | 416,000 |
| Net interest income | 1,584,000 | 3,237,000 | 4,932,000 | 6,842,000 |
| Noninterest income | 265,000 | 534,000 | 817,000 | 1,102,000 |
| Noninterest expense | 1,199,000 | 2,447,000 | 3,627,000 | 5,012,000 |
| Provision for loan losses | 0 | -45,000 | -75,000 | -225,000 |
| Pretax income | 701,000 | 1,421,000 | 2,249,000 | 3,214,000 |
| Income tax | 59,000 | 115,000 | 195,000 | 242,000 |
| Net income | 642,000 | 1,306,000 | 2,054,000 | 2,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,925,000 | 35,470,000 | 36,217,000 | 36,016,000 |