Call reports 2018
CITIZENS TRUST BANK — 2018
What CITIZENS TRUST BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 416,134,000 | 399,415,000 | 395,923,000 | 410,144,000 |
| Total loans | 252,113,000 | 250,015,000 | 249,414,000 | 260,919,000 |
| Allowance for loan losses | 1,842,000 | 1,790,000 | 1,683,000 | 1,636,000 |
| Securities available for sale | 101,514,000 | 94,894,000 | 93,842,000 | 93,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,294,000 | 353,921,000 | 344,626,000 | 348,671,000 |
| Interest-bearing deposits | 239,324,000 | 230,427,000 | 231,544,000 | 235,927,000 |
| Noninterest-bearing deposits | 126,970,000 | 123,494,000 | 113,082,000 | 112,744,000 |
| Equity capital | 40,089,000 | 40,876,000 | 41,707,000 | 43,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,915,000 | 7,868,000 | 11,802,000 | 15,917,000 |
| Interest expense | 181,000 | 384,000 | 653,000 | 996,000 |
| Net interest income | 3,734,000 | 7,484,000 | 11,149,000 | 14,921,000 |
| Noninterest income | 1,235,000 | 2,471,000 | 4,012,000 | 5,466,000 |
| Noninterest expense | 3,753,000 | 7,376,000 | 11,101,000 | 14,776,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,218,000 | 2,581,000 | 4,062,000 | 5,613,000 |
| Income tax | 226,000 | 488,000 | 780,000 | 1,262,000 |
| Net income | 992,000 | 2,093,000 | 3,282,000 | 4,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,261,000 | 42,361,000 | 43,551,000 | 44,747,000 |
| Total capital | 43,103,000 | 44,151,000 | 45,234,000 | 46,383,000 |
| Risk-weighted assets | 278,008,000 | 279,517,000 | 278,389,000 | 284,725,000 |