Call reports 2016
CITIZENS TRUST BANK — 2016
What CITIZENS TRUST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 403,747,000 | 413,372,000 | 405,911,000 | 394,849,000 |
| Total loans | 191,092,000 | 199,155,000 | 199,341,000 | 209,970,000 |
| Allowance for loan losses | 2,152,000 | 2,058,000 | 1,883,000 | 1,831,000 |
| Securities available for sale | 119,232,000 | 114,715,000 | 123,598,000 | 120,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,138,000 | 351,625,000 | 343,963,000 | 339,810,000 |
| Interest-bearing deposits | 252,175,000 | 259,326,000 | 253,770,000 | 251,388,000 |
| Noninterest-bearing deposits | 90,963,000 | 92,299,000 | 90,193,000 | 88,422,000 |
| Equity capital | 50,468,000 | 51,698,000 | 51,771,000 | 45,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,104,000 | 6,258,000 | 9,444,000 | 12,761,000 |
| Interest expense | 168,000 | 333,000 | 506,000 | 681,000 |
| Net interest income | 2,936,000 | 5,925,000 | 8,938,000 | 12,080,000 |
| Noninterest income | 1,072,000 | 2,327,000 | 3,325,000 | 4,623,000 |
| Noninterest expense | 3,382,000 | 6,679,000 | 10,005,000 | 13,662,000 |
| Provision for loan losses | 75,000 | -100,000 | -62,000 | -62,000 |
| Pretax income | 551,000 | 1,673,000 | 2,521,000 | 3,305,000 |
| Income tax | 116,000 | 430,000 | 648,000 | 899,000 |
| Net income | 435,000 | 1,243,000 | 1,873,000 | 2,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,610,000 | 47,542,000 | 48,405,000 | 43,752,000 |
| Total capital | 48,762,000 | 49,600,000 | 50,288,000 | 45,583,000 |
| Risk-weighted assets | 238,620,000 | 246,139,000 | 250,684,000 | 260,753,000 |