Call reports 2015
CITIZENS BANK & TRUST COMPANY — 2015
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,004,000 | 108,652,000 | 105,263,000 | 112,722,000 |
| Total loans | 46,856,000 | 49,406,000 | 55,257,000 | 51,543,000 |
| Allowance for loan losses | 957,000 | 966,000 | 1,023,000 | 1,031,000 |
| Securities available for sale | 37,965,000 | 37,061,000 | 31,996,000 | 32,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,441,000 | 96,186,000 | 92,510,000 | 100,217,000 |
| Interest-bearing deposits | 70,917,000 | 71,099,000 | 66,697,000 | 71,517,000 |
| Noninterest-bearing deposits | 25,524,000 | 25,087,000 | 25,813,000 | 28,700,000 |
| Equity capital | 12,231,000 | 12,117,000 | 12,379,000 | 12,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 846,000 | 1,765,000 | 2,734,000 | 3,677,000 |
| Interest expense | 52,000 | 102,000 | 149,000 | 190,000 |
| Net interest income | 794,000 | 1,663,000 | 2,585,000 | 3,487,000 |
| Noninterest income | 101,000 | 203,000 | 339,000 | 435,000 |
| Noninterest expense | 711,000 | 1,394,000 | 2,037,000 | 2,733,000 |
| Provision for loan losses | 15,000 | 105,000 | 145,000 | 145,000 |
| Pretax income | 169,000 | 367,000 | 754,000 | 1,056,000 |
| Income tax | 52,000 | 115,000 | 252,000 | 357,000 |
| Net income | 117,000 | 252,000 | 502,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,032,000 | 10,001,000 | 10,182,000 | 10,282,000 |
| Total capital | 10,773,000 | 10,762,000 | 10,997,000 | 11,061,000 |
| Risk-weighted assets | 59,026,000 | 60,649,000 | 65,014,000 | 62,107,000 |