Call reports 2016
CITIZENS BANK & TRUST COMPANY — 2016
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 115,561,000 | 117,963,000 | 119,098,000 | 114,418,000 |
| Total loans | 79,458,000 | 76,692,000 | 74,426,000 | 75,896,000 |
| Allowance for loan losses | 1,120,000 | 1,121,000 | 1,122,000 | 1,092,000 |
| Securities available for sale | 14,682,000 | 15,775,000 | 12,744,000 | 14,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,835,000 | 105,793,000 | 106,578,000 | 102,383,000 |
| Interest-bearing deposits | 67,205,000 | 68,985,000 | 69,061,000 | 68,854,000 |
| Noninterest-bearing deposits | 34,630,000 | 36,808,000 | 37,517,000 | 33,529,000 |
| Equity capital | 12,639,000 | 10,992,000 | 11,144,000 | 11,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,270,000 | 3,409,000 | 4,517,000 |
| Interest expense | 63,000 | 128,000 | 196,000 | 261,000 |
| Net interest income | 1,077,000 | 2,142,000 | 3,213,000 | 4,256,000 |
| Noninterest income | 143,000 | 573,000 | 857,000 | 964,000 |
| Noninterest expense | 1,131,000 | 2,330,000 | 3,463,000 | 4,491,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 0 |
| Pretax income | 62,000 | 358,000 | 580,000 | 738,000 |
| Income tax | 13,000 | 105,000 | 174,000 | 220,000 |
| Net income | 49,000 | 253,000 | 406,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,465,000 | 10,818,000 | 10,970,000 | 11,031,000 |
| Total capital | 13,619,000 | 11,972,000 | 12,105,000 | 12,169,000 |
| Risk-weighted assets | 78,294,000 | 78,218,000 | 76,700,000 | 77,009,000 |