Call reports 2018
CITIZENS BANK & TRUST COMPANY — 2018
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 108,524,000 | 104,458,000 | 111,082,000 | 118,031,000 |
| Total loans | 59,931,000 | 63,958,000 | 64,168,000 | 64,158,000 |
| Allowance for loan losses | 1,157,000 | 1,177,000 | 1,210,000 | 1,267,000 |
| Securities available for sale | 26,949,000 | 24,009,000 | 22,895,000 | 20,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,674,000 | 90,937,000 | 96,216,000 | 104,396,000 |
| Interest-bearing deposits | 66,334,000 | 63,202,000 | 66,216,000 | 70,662,000 |
| Noninterest-bearing deposits | 29,340,000 | 27,735,000 | 30,000,000 | 33,734,000 |
| Equity capital | 12,497,000 | 12,861,000 | 13,067,000 | 13,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,109,000 | 3,240,000 | 4,404,000 |
| Interest expense | 55,000 | 107,000 | 188,000 | 318,000 |
| Net interest income | 983,000 | 2,002,000 | 3,052,000 | 4,086,000 |
| Noninterest income | 88,000 | 179,000 | 272,000 | 356,000 |
| Noninterest expense | 669,000 | 1,317,000 | 1,973,000 | 2,761,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 180,000 |
| Pretax income | 294,000 | 730,000 | 1,182,000 | 1,382,000 |
| Income tax | 77,000 | 137,000 | 248,000 | 323,000 |
| Net income | 217,000 | 593,000 | 934,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,750,000 | 11,122,000 | 11,394,000 | 11,374,000 |
| Total capital | 11,556,000 | 11,956,000 | 12,243,000 | 12,211,000 |
| Risk-weighted assets | 64,202,000 | 66,439,000 | 67,632,000 | 66,567,000 |