Call reports 2020
CITIZENS BANK & TRUST — 2020
What CITIZENS BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 97,831,000 | 98,899,000 | 98,904,000 | 107,268,000 |
| Total loans | 41,688,000 | 48,017,000 | 51,821,000 | 50,318,000 |
| Allowance for loan losses | 623,000 | 625,000 | 396,000 | 413,000 |
| Securities available for sale | 38,646,000 | 36,536,000 | 35,316,000 | 41,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,521,000 | 80,057,000 | 79,089,000 | 88,921,000 |
| Interest-bearing deposits | 63,236,000 | 62,634,000 | 61,557,000 | 68,250,000 |
| Noninterest-bearing deposits | 16,285,000 | 17,423,000 | 17,532,000 | 20,671,000 |
| Equity capital | 11,981,000 | 12,241,000 | 12,422,000 | 12,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 801,000 | 1,534,000 | 2,305,000 | 3,155,000 |
| Interest expense | 82,000 | 141,000 | 190,000 | 237,000 |
| Net interest income | 719,000 | 1,393,000 | 2,115,000 | 2,918,000 |
| Noninterest income | 107,000 | 183,000 | 284,000 | 383,000 |
| Noninterest expense | 602,000 | 1,196,000 | 1,769,000 | 2,354,000 |
| Provision for loan losses | 0 | 0 | 21,000 | 42,000 |
| Pretax income | 224,000 | 679,000 | 908,000 | 1,205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 224,000 | 679,000 | 908,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,165,000 | 11,514,000 | 11,643,000 | 11,639,000 |
| Total capital | 11,785,000 | 12,139,000 | — | — |
| Risk-weighted assets | 49,476,000 | 53,154,000 | — | — |