Call reports 2018
CITIZENS BANK & TRUST COMPANY — 2018
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 122,788,000 | 122,358,000 | 118,402,000 | 117,123,000 |
| Total loans | 86,074,000 | 88,957,000 | 89,733,000 | 94,017,000 |
| Allowance for loan losses | 1,086,000 | 1,116,000 | 1,141,000 | 970,000 |
| Securities available for sale | 14,154,000 | 12,099,000 | 12,115,000 | 12,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,401,000 | 109,443,000 | 105,100,000 | 98,944,000 |
| Interest-bearing deposits | 75,365,000 | 72,969,000 | 70,457,000 | 67,736,000 |
| Noninterest-bearing deposits | 35,036,000 | 36,474,000 | 34,643,000 | 31,208,000 |
| Equity capital | 11,357,000 | 11,692,000 | 11,935,000 | 12,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,513,000 | 3,862,000 | 5,225,000 |
| Interest expense | 73,000 | 154,000 | 237,000 | 357,000 |
| Net interest income | 1,141,000 | 2,359,000 | 3,625,000 | 4,868,000 |
| Noninterest income | 123,000 | 496,000 | 610,000 | 709,000 |
| Noninterest expense | 1,101,000 | 2,230,000 | 3,303,000 | 4,298,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 144,000 | 576,000 | 853,000 | 1,209,000 |
| Income tax | 26,000 | 113,000 | 167,000 | 242,000 |
| Net income | 118,000 | 463,000 | 686,000 | 967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,317,000 | 11,660,000 | 11,879,000 | 12,132,000 |
| Total capital | 12,544,000 | 12,911,000 | 13,113,000 | 13,276,000 |
| Risk-weighted assets | 84,220,000 | 86,111,000 | 84,709,000 | 87,758,000 |