Call reports 2018
CITIZENS BANK & TRUST — 2018
What CITIZENS BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 453,047,000 | 486,811,000 | 501,073,000 | 519,569,000 |
| Total loans | 296,480,000 | 301,087,000 | 302,450,000 | 322,946,000 |
| Allowance for loan losses | 3,455,000 | 3,577,000 | 3,693,000 | 3,693,000 |
| Securities available for sale | 85,704,000 | 111,537,000 | 130,599,000 | 134,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,249,000 | 431,691,000 | 442,512,000 | 438,259,000 |
| Interest-bearing deposits | 308,995,000 | 339,313,000 | 347,173,000 | 340,090,000 |
| Noninterest-bearing deposits | 89,254,000 | 92,378,000 | 95,339,000 | 98,169,000 |
| Equity capital | 42,920,000 | 43,371,000 | 43,500,000 | 46,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,514,000 | 9,345,000 | 14,441,000 | 19,768,000 |
| Interest expense | 682,000 | 1,542,000 | 2,502,000 | 3,517,000 |
| Net interest income | 3,832,000 | 7,803,000 | 11,939,000 | 16,251,000 |
| Noninterest income | 768,000 | 1,660,000 | 2,492,000 | 3,249,000 |
| Noninterest expense | 3,423,000 | 6,915,000 | 10,400,000 | 14,030,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 1,027,000 | 2,248,000 | 3,581,000 | 4,920,000 |
| Income tax | -13,000 | 8,000 | 65,000 | 142,000 |
| Net income | 1,040,000 | 2,240,000 | 3,516,000 | 4,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,344,000 | 45,089,000 | 45,888,000 | 48,251,000 |
| Total capital | 47,799,000 | 48,666,000 | 49,581,000 | 51,944,000 |
| Risk-weighted assets | 341,026,000 | 350,575,000 | 351,750,000 | 371,342,000 |