Call reports 2017
CITIZENS TRUST BANK — 2017
What CITIZENS TRUST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 401,893,000 | 406,980,000 | 425,494,000 | 428,579,000 |
| Total loans | 207,629,000 | 204,716,000 | 252,163,000 | 246,968,000 |
| Allowance for loan losses | 1,840,000 | 1,794,000 | 1,904,000 | 1,870,000 |
| Securities available for sale | 117,429,000 | 112,706,000 | 108,832,000 | 104,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,388,000 | 350,965,000 | 379,443,000 | 372,767,000 |
| Interest-bearing deposits | 251,749,000 | 252,768,000 | 263,552,000 | 245,602,000 |
| Noninterest-bearing deposits | 94,639,000 | 98,197,000 | 115,891,000 | 127,165,000 |
| Equity capital | 46,106,000 | 46,215,000 | 41,421,000 | 41,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,440,000 | 6,962,000 | 10,655,000 | 14,588,000 |
| Interest expense | 175,000 | 355,000 | 538,000 | 708,000 |
| Net interest income | 3,265,000 | 6,607,000 | 10,117,000 | 13,880,000 |
| Noninterest income | 1,110,000 | 2,304,000 | 3,451,000 | 5,002,000 |
| Noninterest expense | 3,524,000 | 7,058,000 | 10,508,000 | 14,543,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 851,000 | 1,853,000 | 3,060,000 | 4,340,000 |
| Income tax | 225,000 | 509,000 | 866,000 | 2,087,000 |
| Net income | 626,000 | 1,344,000 | 2,194,000 | 2,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,407,000 | 44,274,000 | 39,462,000 | 41,269,000 |
| Total capital | 46,247,000 | 46,068,000 | 41,366,000 | 43,139,000 |
| Risk-weighted assets | 256,159,000 | 251,311,000 | 277,418,000 | 273,771,000 |