Call reports 2019
CITIZENS BANK & TRUST COMPANY — 2019
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 120,143,000 | 122,844,000 | 124,243,000 | 123,775,000 |
| Total loans | 93,326,000 | 96,306,000 | 93,278,000 | 96,064,000 |
| Allowance for loan losses | 991,000 | 986,000 | 986,000 | 993,000 |
| Securities available for sale | 11,349,000 | 9,358,000 | 9,369,000 | 8,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,419,000 | 108,540,000 | 109,298,000 | 109,278,000 |
| Interest-bearing deposits | 72,139,000 | 72,683,000 | 73,448,000 | 75,025,000 |
| Noninterest-bearing deposits | 34,280,000 | 35,857,000 | 35,850,000 | 34,253,000 |
| Equity capital | 12,581,000 | 12,957,000 | 13,335,000 | 13,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,826,000 | 4,296,000 | 5,793,000 |
| Interest expense | 169,000 | 372,000 | 598,000 | 846,000 |
| Net interest income | 1,204,000 | 2,454,000 | 3,698,000 | 4,947,000 |
| Noninterest income | 384,000 | 638,000 | 1,054,000 | 1,175,000 |
| Noninterest expense | 1,182,000 | 2,285,000 | 3,479,000 | 4,643,000 |
| Provision for loan losses | 22,000 | 22,000 | 22,000 | 22,000 |
| Pretax income | 430,000 | 846,000 | 1,313,000 | 1,543,000 |
| Income tax | 87,000 | 171,000 | 266,000 | 310,000 |
| Net income | 343,000 | 675,000 | 1,047,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,479,000 | 12,808,000 | 13,177,000 | 13,259,000 |
| Total capital | 13,643,000 | 13,968,000 | 14,337,000 | 14,252,000 |
| Risk-weighted assets | 88,714,000 | 88,092,000 | 86,886,000 | 89,634,000 |