Call reports 2016
CITIZENS BANK & TRUST COMPANY — 2016
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 110,538,000 | 110,844,000 | 109,649,000 | 114,311,000 |
| Total loans | 55,637,000 | 59,081,000 | 60,922,000 | 56,340,000 |
| Allowance for loan losses | 1,113,000 | 1,164,000 | 1,170,000 | 1,170,000 |
| Securities available for sale | 33,377,000 | 29,445,000 | 27,098,000 | 28,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,540,000 | 97,667,000 | 96,222,000 | 101,018,000 |
| Interest-bearing deposits | 69,746,000 | 71,590,000 | 69,911,000 | 71,703,000 |
| Noninterest-bearing deposits | 27,794,000 | 26,077,000 | 26,311,000 | 29,315,000 |
| Equity capital | 12,596,000 | 12,749,000 | 12,919,000 | 12,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 961,000 | 1,927,000 | 3,053,000 | 4,062,000 |
| Interest expense | 36,000 | 70,000 | 102,000 | 138,000 |
| Net interest income | 925,000 | 1,857,000 | 2,951,000 | 3,924,000 |
| Noninterest income | 94,000 | 194,000 | 295,000 | 393,000 |
| Noninterest expense | 658,000 | 1,335,000 | 2,014,000 | 2,791,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 316,000 | 635,000 | 1,152,000 | 1,446,000 |
| Income tax | 110,000 | 221,000 | 409,000 | 511,000 |
| Net income | 206,000 | 414,000 | 743,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,402,000 | 10,471,000 | 10,695,000 | 10,790,000 |
| Total capital | 11,236,000 | 11,342,000 | 11,568,000 | 11,605,000 |
| Risk-weighted assets | 66,469,000 | 69,425,000 | 69,561,000 | 64,818,000 |