Call reports 2019
CITIZENS BANK & TRUST — 2019
What CITIZENS BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 91,925,000 | 88,291,000 | 99,127,000 | 100,323,000 |
| Total loans | 41,657,000 | 43,268,000 | 42,030,000 | 42,386,000 |
| Allowance for loan losses | 622,000 | 624,000 | 619,000 | 610,000 |
| Securities available for sale | 30,560,000 | 28,682,000 | 32,814,000 | 44,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,445,000 | 74,174,000 | 85,117,000 | 81,728,000 |
| Interest-bearing deposits | 62,734,000 | 60,412,000 | 70,890,000 | 65,112,000 |
| Noninterest-bearing deposits | 15,711,000 | 13,762,000 | 14,227,000 | 16,616,000 |
| Equity capital | 10,868,000 | 11,269,000 | 11,415,000 | 11,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 803,000 | 1,625,000 | 2,458,000 | 3,300,000 |
| Interest expense | 82,000 | 166,000 | 257,000 | 345,000 |
| Net interest income | 721,000 | 1,459,000 | 2,201,000 | 2,955,000 |
| Noninterest income | 101,000 | 210,000 | 310,000 | 416,000 |
| Noninterest expense | 601,000 | 1,202,000 | 1,813,000 | 2,417,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 215,000 | 461,000 | 692,000 | 948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 461,000 | 692,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,908,000 | 11,054,000 | 11,184,000 | 11,141,000 |
| Total capital | 11,521,000 | 11,675,000 | 11,801,000 | 11,756,000 |
| Risk-weighted assets | 48,739,000 | 49,434,000 | 49,021,000 | 51,826,000 |