Call reports 2016
CITIZENS BANK & TRUST — 2016
What CITIZENS BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 90,989,000 | 89,940,000 | 90,238,000 | 96,285,000 |
| Total loans | 39,627,000 | 39,187,000 | 40,734,000 | 41,047,000 |
| Allowance for loan losses | 635,000 | 604,000 | 598,000 | 594,000 |
| Securities available for sale | 33,049,000 | 37,614,000 | 35,533,000 | 40,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,598,000 | 75,217,000 | 76,054,000 | 82,954,000 |
| Interest-bearing deposits | 62,849,000 | 63,749,000 | 64,849,000 | 68,372,000 |
| Noninterest-bearing deposits | 14,749,000 | 11,468,000 | 11,205,000 | 14,582,000 |
| Equity capital | 10,482,000 | 10,832,000 | 10,915,000 | 9,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,397,000 | 2,121,000 | 2,839,000 |
| Interest expense | 45,000 | 91,000 | 138,000 | 186,000 |
| Net interest income | 659,000 | 1,306,000 | 1,983,000 | 2,653,000 |
| Noninterest income | 126,000 | 242,000 | 377,000 | 509,000 |
| Noninterest expense | 513,000 | 1,056,000 | 1,586,000 | 2,112,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 492,000 | 774,000 | 1,050,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 270,000 | 490,000 | 772,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,885,000 | 10,005,000 | 10,186,000 | 10,163,000 |
| Total capital | 10,471,000 | 10,602,000 | 10,786,000 | 10,760,000 |
| Risk-weighted assets | 46,724,000 | 47,654,000 | 48,710,000 | 50,631,000 |