Call reports 2017
CITIZENS BANK & TRUST — 2017
What CITIZENS BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 94,224,000 | 89,625,000 | 88,275,000 | 92,998,000 |
| Total loans | 40,743,000 | 43,214,000 | 45,558,000 | 44,411,000 |
| Allowance for loan losses | 595,000 | 598,000 | 606,000 | 595,000 |
| Securities available for sale | 39,092,000 | 37,476,000 | 35,774,000 | 33,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,795,000 | 75,033,000 | 71,884,000 | 77,799,000 |
| Interest-bearing deposits | 63,494,000 | 60,080,000 | 59,202,000 | 64,492,000 |
| Noninterest-bearing deposits | 16,301,000 | 14,953,000 | 12,682,000 | 13,307,000 |
| Equity capital | 10,321,000 | 10,612,000 | 10,813,000 | 10,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,461,000 | 2,218,000 | 2,971,000 |
| Interest expense | 48,000 | 99,000 | 152,000 | 206,000 |
| Net interest income | 678,000 | 1,362,000 | 2,066,000 | 2,765,000 |
| Noninterest income | 115,000 | 253,000 | 381,000 | 513,000 |
| Noninterest expense | 543,000 | 1,125,000 | 1,641,000 | 2,147,000 |
| Provision for loan losses | 0 | 0 | 9,000 | 18,000 |
| Pretax income | 250,000 | 521,000 | 827,000 | 1,143,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 521,000 | 827,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,213,000 | 10,384,000 | 10,590,000 | 10,606,000 |
| Total capital | 10,811,000 | 10,986,000 | 11,200,000 | 11,211,000 |
| Risk-weighted assets | 49,758,000 | 51,569,000 | 53,210,000 | 51,757,000 |