Call reports 2019
CITIZENS BANK & TRUST COMPANY — 2019
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 113,699,000 | 110,945,000 | 111,676,000 | 117,145,000 |
| Total loans | 64,878,000 | 69,916,000 | 69,461,000 | 67,926,000 |
| Allowance for loan losses | 1,298,000 | 1,407,000 | 1,470,000 | 1,530,000 |
| Securities available for sale | 20,034,000 | 17,460,000 | 13,186,000 | 13,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,350,000 | 96,998,000 | 97,376,000 | 102,701,000 |
| Interest-bearing deposits | 69,116,000 | 67,057,000 | 64,965,000 | 68,552,000 |
| Noninterest-bearing deposits | 31,234,000 | 29,941,000 | 32,411,000 | 34,149,000 |
| Equity capital | 12,957,000 | 13,464,000 | 13,729,000 | 13,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,409,000 | 3,593,000 | 4,817,000 |
| Interest expense | 119,000 | 241,000 | 367,000 | 482,000 |
| Net interest income | 1,039,000 | 2,168,000 | 3,226,000 | 4,335,000 |
| Noninterest income | 74,000 | 159,000 | 240,000 | 324,000 |
| Noninterest expense | 652,000 | 1,256,000 | 1,859,000 | 2,910,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 431,000 | 1,013,000 | 1,488,000 | 1,570,000 |
| Income tax | 109,000 | 213,000 | 329,000 | 423,000 |
| Net income | 322,000 | 800,000 | 1,159,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,083,000 | 11,483,000 | 11,729,000 | 11,638,000 |
| Total capital | 11,934,000 | 12,379,000 | 12,610,000 | 12,519,000 |
| Risk-weighted assets | 67,660,000 | 71,188,000 | 69,943,000 | 69,835,000 |