Call reports 2016
CITIZENS BANK AND TRUST COMPANY — 2016
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 136,782,000 | 136,944,000 | 143,285,000 | 138,300,000 |
| Total loans | 90,153,000 | 100,212,000 | 104,467,000 | 90,822,000 |
| Allowance for loan losses | 972,000 | 1,120,000 | 1,195,000 | 1,055,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,316,000 | 23,072,000 | 22,071,000 | 18,240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,317,000 | 101,086,000 | 96,986,000 | 99,031,000 |
| Interest-bearing deposits | 77,676,000 | 75,891,000 | 72,268,000 | 71,366,000 |
| Noninterest-bearing deposits | 25,641,000 | 25,195,000 | 24,718,000 | 27,665,000 |
| Equity capital | 12,898,000 | 13,072,000 | 13,195,000 | 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 | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,356,000 | 2,811,000 | 4,351,000 | 5,795,000 |
| Interest expense | 127,000 | 256,000 | 387,000 | 527,000 |
| Net interest income | 1,229,000 | 2,555,000 | 3,964,000 | 5,268,000 |
| Noninterest income | 236,000 | 485,000 | 733,000 | 486,000 |
| Noninterest expense | 1,115,000 | 2,288,000 | 3,485,000 | 4,703,000 |
| Provision for loan losses | 98,000 | 195,000 | 337,000 | 451,000 |
| Pretax income | 252,000 | 555,000 | 826,000 | 532,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 555,000 | 826,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,692,000 | 10,878,000 | 11,325,000 | 10,756,000 |
| Total capital | 11,664,000 | 11,998,000 | 12,520,000 | 11,811,000 |
| Risk-weighted assets | 115,616,000 | 119,325,000 | 122,123,000 | 114,281,000 |