Call reports 2017
CITIZENS BANK & TRUST — 2017
What CITIZENS BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 433,196,000 | 434,951,000 | 450,575,000 | 452,039,000 |
| Total loans | 281,946,000 | 286,847,000 | 295,578,000 | 298,425,000 |
| Allowance for loan losses | 2,891,000 | 3,128,000 | 3,280,000 | 3,368,000 |
| Securities available for sale | 99,593,000 | 98,796,000 | 93,033,000 | 89,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,606,000 | 375,879,000 | 383,961,000 | 389,190,000 |
| Interest-bearing deposits | 285,621,000 | 300,687,000 | 306,438,000 | 311,537,000 |
| Noninterest-bearing deposits | 75,985,000 | 75,192,000 | 77,523,000 | 77,654,000 |
| Equity capital | 42,290,000 | 43,315,000 | 44,166,000 | 43,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,118,000 | 8,547,000 | 12,993,000 | 17,384,000 |
| Interest expense | 479,000 | 1,002,000 | 1,566,000 | 2,168,000 |
| Net interest income | 3,639,000 | 7,545,000 | 11,427,000 | 15,216,000 |
| Noninterest income | 682,000 | 1,390,000 | 2,113,000 | 2,693,000 |
| Noninterest expense | 3,078,000 | 6,229,000 | 9,379,000 | 12,648,000 |
| Provision for loan losses | 625,000 | 850,000 | 1,075,000 | 1,180,000 |
| Pretax income | 605,000 | 1,843,000 | 3,140,000 | 4,135,000 |
| Income tax | -4,000 | 107,000 | 311,000 | 649,000 |
| Net income | 609,000 | 1,736,000 | 2,829,000 | 3,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,002,000 | 43,091,000 | 44,021,000 | 43,605,000 |
| Total capital | 45,893,000 | 46,218,000 | 47,301,000 | 46,973,000 |
| Risk-weighted assets | 320,181,000 | 325,402,000 | 334,046,000 | 340,485,000 |