Call reports 2015
CITIZENS BANK & TRUST COMPANY — 2015
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 114,361,000 | 114,010,000 | 114,994,000 | 113,366,000 |
| Total loans | 80,308,000 | 76,245,000 | 77,987,000 | 79,135,000 |
| Allowance for loan losses | 1,287,000 | 1,334,000 | 1,379,000 | 1,119,000 |
| Securities available for sale | 18,051,000 | 18,013,000 | 15,985,000 | 16,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,103,000 | 100,234,000 | 101,057,000 | 99,704,000 |
| Interest-bearing deposits | 69,136,000 | 68,531,000 | 68,249,000 | 65,962,000 |
| Noninterest-bearing deposits | 31,967,000 | 31,703,000 | 32,808,000 | 33,742,000 |
| Equity capital | 12,154,000 | 12,426,000 | 12,474,000 | 12,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,170,000 | 2,315,000 | 3,448,000 | 4,605,000 |
| Interest expense | 63,000 | 127,000 | 192,000 | 256,000 |
| Net interest income | 1,107,000 | 2,188,000 | 3,256,000 | 4,349,000 |
| Noninterest income | 101,000 | 855,000 | 1,125,000 | 1,757,000 |
| Noninterest expense | 1,142,000 | 2,422,000 | 3,559,000 | 4,884,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 21,000 | 652,000 | 808,000 | 1,209,000 |
| Income tax | 6,000 | 204,000 | 254,000 | 383,000 |
| Net income | 15,000 | 448,000 | 554,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,891,000 | 12,261,000 | 12,303,000 | 12,476,000 |
| Total capital | 13,010,000 | 13,388,000 | 13,438,000 | 13,627,000 |
| Risk-weighted assets | 75,328,000 | 75,823,000 | 76,597,000 | 78,035,000 |