Call reports 2015
CITIZENS BANK AND TRUST COMPANY — 2015
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 134,188,000 | 132,939,000 | 138,684,000 | 133,998,000 |
| Total loans | 82,866,000 | 92,383,000 | 97,364,000 | 88,330,000 |
| Allowance for loan losses | 818,000 | 714,000 | 800,000 | 916,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,000,000 | 28,505,000 | 26,974,000 | 20,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,545,000 | 100,955,000 | 99,720,000 | 105,805,000 |
| Interest-bearing deposits | 79,709,000 | 79,364,000 | 76,892,000 | 78,799,000 |
| Noninterest-bearing deposits | 25,836,000 | 21,591,000 | 22,828,000 | 27,006,000 |
| Equity capital | 12,680,000 | 12,886,000 | 13,108,000 | 12,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,513,000 | 3,934,000 | 5,354,000 |
| Interest expense | 127,000 | 257,000 | 391,000 | 512,000 |
| Net interest income | 1,068,000 | 2,256,000 | 3,543,000 | 4,842,000 |
| Noninterest income | 247,000 | 485,000 | 739,000 | 1,002,000 |
| Noninterest expense | 1,086,000 | 2,139,000 | 3,235,000 | 4,772,000 |
| Provision for loan losses | 97,000 | 195,000 | 292,000 | 440,000 |
| Pretax income | 132,000 | 407,000 | 755,000 | 632,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 407,000 | 755,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,873,000 | 11,096,000 | 11,327,000 | 11,180,000 |
| Total capital | 11,691,000 | 11,810,000 | 12,127,000 | 12,096,000 |
| Risk-weighted assets | 109,250,000 | 117,207,000 | 119,892,000 | 114,015,000 |