Call reports 2017
CITIZENS BANK & TRUST COMPANY — 2017
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 116,360,000 | 116,899,000 | 113,761,000 | 113,481,000 |
| Total loans | 77,348,000 | 76,719,000 | 78,663,000 | 83,128,000 |
| Allowance for loan losses | 1,099,000 | 1,099,000 | 1,076,000 | 1,062,000 |
| Securities available for sale | 14,526,000 | 14,582,000 | 14,513,000 | 14,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,164,000 | 104,447,000 | 101,012,000 | 101,085,000 |
| Interest-bearing deposits | 70,505,000 | 70,746,000 | 66,776,000 | 67,359,000 |
| Noninterest-bearing deposits | 33,659,000 | 33,701,000 | 34,236,000 | 33,726,000 |
| Equity capital | 11,199,000 | 11,315,000 | 11,431,000 | 11,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,095,000 | 2,213,000 | 3,378,000 | 4,537,000 |
| Interest expense | 65,000 | 131,000 | 195,000 | 258,000 |
| Net interest income | 1,030,000 | 2,082,000 | 3,183,000 | 4,279,000 |
| Noninterest income | 173,000 | 347,000 | 510,000 | 677,000 |
| Noninterest expense | 1,102,000 | 2,225,000 | 3,334,000 | 4,418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 216,000 | 371,000 | 554,000 |
| Income tax | 31,000 | 59,000 | 105,000 | 343,000 |
| Net income | 82,000 | 157,000 | 266,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,110,000 | 11,181,000 | 11,287,000 | 11,203,000 |
| Total capital | 12,242,000 | 12,307,000 | 12,445,000 | 12,419,000 |
| Risk-weighted assets | 76,500,000 | 76,023,000 | 78,588,000 | 83,337,000 |