Call reports 2015
CITIZENS TRUST BANK — 2015
What CITIZENS TRUST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 398,165,000 | 390,481,000 | 380,476,000 | 387,897,000 |
| Total loans | 193,751,000 | 196,829,000 | 186,696,000 | 186,961,000 |
| Allowance for loan losses | 2,226,000 | 2,321,000 | 2,248,000 | 2,124,000 |
| Securities available for sale | 116,111,000 | 122,739,000 | 117,486,000 | 123,258,000 |
| Securities held to maturity | 240,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,285,000 | 337,373,000 | 325,546,000 | 328,893,000 |
| Interest-bearing deposits | 257,211,000 | 255,914,000 | 245,773,000 | 240,319,000 |
| Noninterest-bearing deposits | 86,074,000 | 81,459,000 | 79,773,000 | 88,574,000 |
| Equity capital | 49,998,000 | 48,918,000 | 49,946,000 | 49,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,173,000 | 6,338,000 | 9,705,000 | 12,767,000 |
| Interest expense | 183,000 | 363,000 | 535,000 | 699,000 |
| Net interest income | 2,990,000 | 5,975,000 | 9,170,000 | 12,068,000 |
| Noninterest income | 989,000 | 2,000,000 | 2,879,000 | 4,182,000 |
| Noninterest expense | 3,507,000 | 6,962,000 | 10,433,000 | 13,920,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 100,000 |
| Pretax income | 588,000 | 1,200,000 | 1,837,000 | 2,651,000 |
| Income tax | 115,000 | 249,000 | 393,000 | 627,000 |
| Net income | 473,000 | 951,000 | 1,444,000 | 2,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,395,000 | 47,267,000 | 47,833,000 | 48,404,000 |
| Total capital | 49,621,000 | 49,588,000 | 50,081,000 | 50,528,000 |
| Risk-weighted assets | 236,747,000 | 237,173,000 | 235,687,000 | 239,737,000 |