Call reports 2021
CITIZENS BANK & TRUST COMPANY — 2021
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 160,095,000 | 166,502,000 | 164,239,000 | 166,281,000 |
| Total loans | 99,693,000 | 100,453,000 | 102,490,000 | 120,311,000 |
| Allowance for loan losses | 1,153,000 | 1,188,000 | 1,188,000 | 1,188,000 |
| Securities available for sale | 26,448,000 | 26,562,000 | 26,602,000 | 26,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,897,000 | 150,724,000 | 148,083,000 | 150,206,000 |
| Interest-bearing deposits | 95,752,000 | 99,350,000 | 97,857,000 | 96,245,000 |
| Noninterest-bearing deposits | 49,145,000 | 51,374,000 | 50,226,000 | 53,961,000 |
| Equity capital | 13,681,000 | 14,090,000 | 14,430,000 | 14,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,503,000 | 3,045,000 | 4,544,000 | 6,248,000 |
| Interest expense | 165,000 | 320,000 | 475,000 | 612,000 |
| Net interest income | 1,338,000 | 2,725,000 | 4,069,000 | 5,636,000 |
| Noninterest income | 122,000 | 246,000 | 364,000 | 503,000 |
| Noninterest expense | 1,151,000 | 2,296,000 | 3,396,000 | 4,513,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 295,000 | 666,000 | 1,024,000 | 1,618,000 |
| Income tax | 58,000 | 132,000 | 203,000 | 324,000 |
| Net income | 237,000 | 534,000 | 821,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,282,000 | 14,579,000 | 14,866,000 | 15,239,000 |