Call reports 2015
CITIZENS BANK & TRUST — 2015
What CITIZENS BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 363,299,000 | 366,151,000 | 367,029,000 | 380,351,000 |
| Total loans | 242,259,000 | 244,291,000 | 252,355,000 | 250,928,000 |
| Allowance for loan losses | 3,098,000 | 3,059,000 | 3,151,000 | 3,050,000 |
| Securities available for sale | 85,439,000 | 82,198,000 | 76,612,000 | 91,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,657,000 | 307,478,000 | 311,870,000 | 313,457,000 |
| Interest-bearing deposits | 240,540,000 | 245,610,000 | 250,534,000 | 249,108,000 |
| Noninterest-bearing deposits | 67,117,000 | 61,868,000 | 61,336,000 | 64,349,000 |
| Equity capital | 35,106,000 | 35,194,000 | 35,564,000 | 36,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,736,000 | 7,526,000 | 11,340,000 | 15,117,000 |
| Interest expense | 400,000 | 812,000 | 1,231,000 | 1,647,000 |
| Net interest income | 3,336,000 | 6,714,000 | 10,109,000 | 13,470,000 |
| Noninterest income | 644,000 | 1,243,000 | 1,859,000 | 2,483,000 |
| Noninterest expense | 2,725,000 | 5,498,000 | 8,347,000 | 11,381,000 |
| Provision for loan losses | 375,000 | 600,000 | 750,000 | 750,000 |
| Pretax income | 880,000 | 1,859,000 | 2,978,000 | 3,928,000 |
| Income tax | 208,000 | 462,000 | 766,000 | 444,000 |
| Net income | 672,000 | 1,397,000 | 2,212,000 | 3,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,325,000 | 34,964,000 | 35,240,000 | 35,801,000 |
| Total capital | 37,423,000 | 38,023,000 | 38,391,000 | 38,851,000 |
| Risk-weighted assets | 279,573,000 | 282,823,000 | 286,659,000 | 286,624,000 |