Call reports 2017
CITIZENS BANK & TRUST COMPANY — 2017
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 109,743,000 | 110,093,000 | 109,686,000 | 112,792,000 |
| Total loans | 55,574,000 | 57,366,000 | 58,544,000 | 59,096,000 |
| Allowance for loan losses | 1,167,000 | 1,166,000 | 1,166,000 | 1,157,000 |
| Securities available for sale | 29,708,000 | 27,076,000 | 26,295,000 | 27,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,788,000 | 97,060,000 | 96,395,000 | 99,417,000 |
| Interest-bearing deposits | 69,089,000 | 69,885,000 | 66,585,000 | 69,090,000 |
| Noninterest-bearing deposits | 27,699,000 | 27,175,000 | 29,810,000 | 30,327,000 |
| Equity capital | 12,488,000 | 12,754,000 | 12,925,000 | 12,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 2,054,000 | 3,070,000 | 4,114,000 |
| Interest expense | 39,000 | 80,000 | 123,000 | 168,000 |
| Net interest income | 907,000 | 1,974,000 | 2,947,000 | 3,946,000 |
| Noninterest income | 93,000 | 169,000 | 263,000 | 350,000 |
| Noninterest expense | 663,000 | 1,326,000 | 1,960,000 | 2,712,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 337,000 | 817,000 | 1,250,000 | 1,584,000 |
| Income tax | 131,000 | 295,000 | 460,000 | 697,000 |
| Net income | 206,000 | 522,000 | 790,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,420,000 | 10,673,000 | 10,925,000 | 10,916,000 |
| Total capital | 11,232,000 | 11,506,000 | 11,738,000 | 11,733,000 |
| Risk-weighted assets | 64,635,000 | 66,343,000 | 64,766,000 | 65,045,000 |