Call reports 2019
CITIZENS BANK & TRUST — 2019
What CITIZENS BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 514,768,000 | 517,977,000 | 541,762,000 | 559,654,000 |
| Total loans | 318,263,000 | 328,536,000 | 347,368,000 | 359,075,000 |
| Allowance for loan losses | 3,855,000 | 3,991,000 | 4,017,000 | 5,008,000 |
| Securities available for sale | 130,837,000 | 130,831,000 | 130,794,000 | 136,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,128,000 | 455,145,000 | 465,263,000 | 476,600,000 |
| Interest-bearing deposits | 355,112,000 | 352,071,000 | 352,652,000 | 361,868,000 |
| Noninterest-bearing deposits | 100,016,000 | 103,074,000 | 112,611,000 | 114,732,000 |
| Equity capital | 49,315,000 | 52,597,000 | 54,427,000 | 55,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,383,000 | 10,964,000 | 16,703,000 | 22,631,000 |
| Interest expense | 1,161,000 | 2,273,000 | 3,398,000 | 4,530,000 |
| Net interest income | 4,222,000 | 8,691,000 | 13,305,000 | 18,101,000 |
| Noninterest income | 898,000 | 1,852,000 | 2,695,000 | 4,520,000 |
| Noninterest expense | 3,672,000 | 7,346,000 | 11,009,000 | 14,898,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,479,000 |
| Pretax income | 1,298,000 | 2,881,000 | 4,550,000 | 6,254,000 |
| Income tax | 5,000 | 81,000 | 167,000 | 248,000 |
| Net income | 1,293,000 | 2,800,000 | 4,383,000 | 6,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,544,000 | 51,050,000 | 52,633,000 | 54,156,000 |
| Total capital | 53,399,000 | 55,041,000 | 56,650,000 | 59,121,000 |
| Risk-weighted assets | 364,772,000 | 364,226,000 | 373,394,000 | 397,206,000 |