Call reports 2021
CITIZENS BANK & TRUST COMPANY — 2021
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 128,427,000 | 128,842,000 | 134,958,000 | 135,086,000 |
| Total loans | 62,848,000 | 64,666,000 | 58,993,000 | 56,910,000 |
| Allowance for loan losses | 1,644,000 | 1,647,000 | 1,646,000 | 1,646,000 |
| Securities available for sale | 35,594,000 | 35,808,000 | 40,251,000 | 47,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,562,000 | 114,402,000 | 120,130,000 | 120,300,000 |
| Interest-bearing deposits | 69,482,000 | 68,388,000 | 69,065,000 | 70,898,000 |
| Noninterest-bearing deposits | 45,080,000 | 46,014,000 | 51,065,000 | 49,402,000 |
| Equity capital | 13,478,000 | 13,925,000 | 14,355,000 | 14,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,164,000 | 2,470,000 | 3,578,000 | 4,530,000 |
| Interest expense | 49,000 | 92,000 | 130,000 | 164,000 |
| Net interest income | 1,115,000 | 2,378,000 | 3,448,000 | 4,366,000 |
| Noninterest income | 77,000 | 156,000 | 235,000 | 317,000 |
| Noninterest expense | 702,000 | 1,336,000 | 2,040,000 | 2,994,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 460,000 | 1,168,000 | 1,613,000 | 1,659,000 |
| Income tax | 113,000 | 289,000 | 300,000 | 358,000 |
| Net income | 347,000 | 879,000 | 1,313,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,465,000 | 12,024,000 | 12,461,000 | 12,450,000 |
| Total capital | 12,347,000 | — | 13,268,000 | 13,249,000 |
| Risk-weighted assets | 69,847,000 | — | 63,736,000 | 63,088,000 |