Call reports 2021
CITIZENS BANK & TRUST — 2021
What CITIZENS BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 790,373,000 | 830,401,000 | 896,837,000 | 964,857,000 |
| Total loans | 400,825,000 | 394,848,000 | 403,268,000 | 432,950,000 |
| Allowance for loan losses | 6,082,000 | 6,133,000 | 7,645,000 | 7,666,000 |
| Securities available for sale | 188,604,000 | 289,279,000 | 397,241,000 | 443,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,354,000 | 705,939,000 | 766,039,000 | 810,695,000 |
| Interest-bearing deposits | 495,916,000 | 508,843,000 | 568,766,000 | 604,965,000 |
| Noninterest-bearing deposits | 182,438,000 | 197,095,000 | 197,273,000 | 205,730,000 |
| Equity capital | 65,734,000 | 77,126,000 | 80,393,000 | 85,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,018,000 | 12,208,000 | 19,139,000 | 25,952,000 |
| Interest expense | 561,000 | 1,155,000 | 1,693,000 | 2,242,000 |
| Net interest income | 5,457,000 | 11,053,000 | 17,446,000 | 23,710,000 |
| Noninterest income | 862,000 | 1,791,000 | 4,578,000 | 5,507,000 |
| Noninterest expense | 4,422,000 | 9,192,000 | 13,952,000 | 19,063,000 |
| Provision for loan losses | 286,000 | 336,000 | 1,836,000 | 1,836,000 |
| Pretax income | 1,611,000 | 3,316,000 | 6,237,000 | 8,319,000 |
| Income tax | 94,000 | 202,000 | 608,000 | 833,000 |
| Net income | 1,517,000 | 3,114,000 | 5,629,000 | 7,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,167,000 | 75,663,000 | 78,179,000 | 87,089,000 |
| Total capital | 69,631,000 | 81,371,000 | 84,314,000 | 93,728,000 |
| Risk-weighted assets | 436,540,000 | 456,206,000 | 489,144,000 | 530,090,000 |