Call reports 2020
CITIZENS TRUST BANK — 2020
What CITIZENS TRUST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 444,324,000 | 506,374,000 | 536,655,000 | 572,362,000 |
| Total loans | 278,113,000 | 308,912,000 | 290,624,000 | 287,495,000 |
| Allowance for loan losses | 1,684,000 | 2,909,000 | 3,018,000 | 3,161,000 |
| Securities available for sale | 83,502,000 | 80,639,000 | 75,319,000 | 64,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,295,000 | 450,813,000 | 480,426,000 | 513,579,000 |
| Interest-bearing deposits | 267,843,000 | 297,485,000 | 305,849,000 | 329,851,000 |
| Noninterest-bearing deposits | 121,452,000 | 153,328,000 | 174,577,000 | 183,728,000 |
| Equity capital | 48,149,000 | 48,507,000 | 49,418,000 | 50,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,126,000 | 7,963,000 | 11,961,000 | 15,774,000 |
| Interest expense | 466,000 | 861,000 | 1,166,000 | 1,286,000 |
| Net interest income | 3,660,000 | 7,102,000 | 10,795,000 | 14,488,000 |
| Noninterest income | 1,333,000 | 4,190,000 | 5,364,000 | 6,888,000 |
| Noninterest expense | 4,004,000 | 7,888,000 | 11,506,000 | 15,335,000 |
| Provision for loan losses | 83,000 | 1,398,000 | 1,538,000 | 1,710,000 |
| Pretax income | 906,000 | 2,006,000 | 3,115,000 | 4,321,000 |
| Income tax | 199,000 | 441,000 | 685,000 | 963,000 |
| Net income | 707,000 | 1,565,000 | 2,430,000 | 3,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,026,000 | 46,449,000 | 47,314,000 | 48,243,000 |
| Total capital | 48,710,000 | 49,358,000 | 50,332,000 | 51,404,000 |
| Risk-weighted assets | 300,558,000 | 335,424,000 | 321,385,000 | 290,937,000 |