Call reports 2016
CITIZENS BANK & TRUST — 2016
What CITIZENS BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 385,438,000 | 393,404,000 | 395,225,000 | 414,180,000 |
| Total loans | 251,868,000 | 260,595,000 | 264,885,000 | 271,580,000 |
| Allowance for loan losses | 3,515,000 | 3,591,000 | 3,078,000 | 3,010,000 |
| Securities available for sale | 95,380,000 | 89,412,000 | 86,939,000 | 94,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,312,000 | 327,546,000 | 327,417,000 | 345,704,000 |
| Interest-bearing deposits | 272,072,000 | 273,503,000 | 271,142,000 | 278,965,000 |
| Noninterest-bearing deposits | 52,240,000 | 54,043,000 | 56,275,000 | 66,739,000 |
| Equity capital | 36,882,000 | 38,280,000 | 38,252,000 | 35,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,846,000 | 7,806,000 | 11,753,000 | 15,653,000 |
| Interest expense | 441,000 | 881,000 | 1,322,000 | 1,775,000 |
| Net interest income | 3,405,000 | 6,925,000 | 10,431,000 | 13,878,000 |
| Noninterest income | 663,000 | 1,338,000 | 2,008,000 | 2,616,000 |
| Noninterest expense | 2,956,000 | 5,917,000 | 8,953,000 | 11,872,000 |
| Provision for loan losses | 855,000 | 945,000 | 1,170,000 | 1,260,000 |
| Pretax income | 293,000 | 1,559,000 | 2,528,000 | 3,576,000 |
| Income tax | -172,000 | 85,000 | 208,000 | 445,000 |
| Net income | 465,000 | 1,474,000 | 2,320,000 | 3,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,146,000 | 37,040,000 | 37,196,000 | 36,893,000 |
| Total capital | 39,661,000 | 40,631,000 | 40,274,000 | 39,903,000 |
| Risk-weighted assets | 288,103,000 | 299,363,000 | 301,447,000 | 312,787,000 |