Call reports 2021
CITIZENS BANK & TRUST — 2021
What CITIZENS BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 114,127,000 | 112,278,000 | 109,206,000 | 120,145,000 |
| Total loans | 48,280,000 | 47,933,000 | 48,881,000 | 47,964,000 |
| Allowance for loan losses | 447,000 | 450,000 | 452,000 | 466,000 |
| Securities available for sale | 36,486,000 | 50,175,000 | 47,544,000 | 48,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,754,000 | 95,584,000 | 93,575,000 | 106,504,000 |
| Interest-bearing deposits | 73,316,000 | 72,972,000 | 73,229,000 | 83,809,000 |
| Noninterest-bearing deposits | 23,438,000 | 22,612,000 | 20,346,000 | 22,695,000 |
| Equity capital | 12,224,000 | 12,288,000 | 12,503,000 | 12,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 757,000 | 1,612,000 | 2,487,000 | 3,337,000 |
| Interest expense | 48,000 | 96,000 | 143,000 | 189,000 |
| Net interest income | 709,000 | 1,516,000 | 2,344,000 | 3,148,000 |
| Noninterest income | 94,000 | 189,000 | 290,000 | 401,000 |
| Noninterest expense | 597,000 | 1,190,000 | 1,763,000 | 2,317,000 |
| Provision for loan losses | 27,000 | 27,000 | 32,000 | 47,000 |
| Pretax income | 190,000 | 501,000 | 853,000 | 1,202,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 190,000 | 501,000 | 853,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,629,000 | 11,840,000 | 12,092,000 | 12,141,000 |