Call reports 2021
CITIZENS TRUST BANK — 2021
What CITIZENS TRUST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 601,255,000 | 637,852,000 | 655,712,000 | 668,803,000 |
| Total loans | 295,940,000 | 292,402,000 | 271,809,000 | 284,761,000 |
| Allowance for loan losses | 3,069,000 | 3,038,000 | 3,024,000 | 3,011,000 |
| Securities available for sale | 64,140,000 | 66,575,000 | 78,561,000 | 95,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,801,000 | 578,680,000 | 593,556,000 | 600,225,000 |
| Interest-bearing deposits | 329,989,000 | 347,400,000 | 355,502,000 | 362,800,000 |
| Noninterest-bearing deposits | 211,812,000 | 231,280,000 | 238,054,000 | 237,425,000 |
| Equity capital | 50,662,000 | 50,232,000 | 51,270,000 | 56,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,704,000 | 7,908,000 | 12,333,000 | 16,540,000 |
| Interest expense | 129,000 | 256,000 | 388,000 | 513,000 |
| Net interest income | 3,575,000 | 7,652,000 | 11,945,000 | 16,027,000 |
| Noninterest income | 1,138,000 | 2,314,000 | 3,547,000 | 4,721,000 |
| Noninterest expense | 3,606,000 | 7,247,000 | 10,961,000 | 15,030,000 |
| Provision for loan losses | 38,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 1,069,000 | 2,669,000 | 4,481,000 | 5,668,000 |
| Income tax | 235,000 | 587,000 | 986,000 | 1,247,000 |
| Net income | 834,000 | 2,082,000 | 3,495,000 | 4,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,077,000 | 48,724,000 | 50,138,000 | 56,236,000 |
| Total capital | 52,146,000 | 51,762,000 | 53,162,000 | 59,247,000 |
| Risk-weighted assets | 294,532,000 | 292,068,000 | 301,996,000 | 312,486,000 |