Call reports 2018
CITIZENS BANK & TRUST — 2018
What CITIZENS BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 93,982,000 | 87,447,000 | 85,194,000 | 90,658,000 |
| Total loans | 41,483,000 | 43,447,000 | 43,901,000 | 44,188,000 |
| Allowance for loan losses | 607,000 | 616,000 | 629,000 | 627,000 |
| Securities available for sale | 32,871,000 | 36,493,000 | 35,613,000 | 33,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,196,000 | 72,728,000 | 70,936,000 | 77,501,000 |
| Interest-bearing deposits | 63,518,000 | 59,339,000 | 58,673,000 | 63,474,000 |
| Noninterest-bearing deposits | 15,678,000 | 13,389,000 | 12,263,000 | 14,027,000 |
| Equity capital | 10,245,000 | 10,266,000 | 10,281,000 | 10,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,516,000 | 2,286,000 | 3,080,000 |
| Interest expense | 66,000 | 135,000 | 201,000 | 265,000 |
| Net interest income | 685,000 | 1,381,000 | 2,085,000 | 2,815,000 |
| Noninterest income | 109,000 | 234,000 | 347,000 | 464,000 |
| Noninterest expense | 567,000 | 1,142,000 | 1,717,000 | 2,256,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 218,000 | 455,000 | 688,000 | 987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 455,000 | 688,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,624,000 | 10,761,000 | 10,894,000 | 10,893,000 |
| Total capital | 11,236,000 | 11,382,000 | 11,527,000 | 11,523,000 |
| Risk-weighted assets | 49,256,000 | 51,534,000 | 51,879,000 | 51,653,000 |