Call reports 2015
CITIZENS BANK & TRUST — 2015
What CITIZENS BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,609,000 | 87,673,000 | 84,611,000 | 92,205,000 |
| Total loans | 36,500,000 | 37,813,000 | 38,999,000 | 40,944,000 |
| Allowance for loan losses | 639,000 | 635,000 | 626,000 | 636,000 |
| Securities available for sale | 39,591,000 | 37,413,000 | 36,396,000 | 34,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,691,000 | 74,924,000 | 71,475,000 | 79,423,000 |
| Interest-bearing deposits | 61,663,000 | 61,296,000 | 59,812,000 | 64,613,000 |
| Noninterest-bearing deposits | 16,028,000 | 13,628,000 | 11,663,000 | 14,810,000 |
| Equity capital | 10,103,000 | 10,002,000 | 10,397,000 | 10,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 676,000 | 1,372,000 | 2,079,000 | 2,789,000 |
| Interest expense | 44,000 | 90,000 | 134,000 | 178,000 |
| Net interest income | 632,000 | 1,282,000 | 1,945,000 | 2,611,000 |
| Noninterest income | 123,000 | 259,000 | 403,000 | 533,000 |
| Noninterest expense | 511,000 | 1,013,000 | 1,503,000 | 1,999,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 244,000 | 528,000 | 845,000 | 1,145,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 244,000 | 528,000 | 845,000 | 1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,414,000 | 9,598,000 | 9,815,000 | 9,815,000 |
| Total capital | 9,985,000 | 10,177,000 | 10,405,000 | 10,420,000 |
| Risk-weighted assets | 45,589,000 | 46,239,000 | 47,196,000 | 48,342,000 |