Call reports 2017
CITIZENS BANK AND TRUST COMPANY — 2017
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 140,755,000 | 137,135,000 | 137,452,000 | 130,398,000 |
| Total loans | 95,715,000 | 103,805,000 | 105,993,000 | 92,651,000 |
| Allowance for loan losses | 1,115,000 | 1,102,000 | 1,155,000 | 1,094,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,916,000 | 18,392,000 | 15,973,000 | 17,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,050,000 | 95,662,000 | 93,483,000 | 97,211,000 |
| Interest-bearing deposits | 75,232,000 | 71,205,000 | 66,991,000 | 68,927,000 |
| Noninterest-bearing deposits | 29,818,000 | 24,457,000 | 26,492,000 | 28,284,000 |
| Equity capital | 12,920,000 | 13,248,000 | 13,486,000 | 13,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,856,000 | 4,431,000 | 5,923,000 |
| Interest expense | 134,000 | 271,000 | 430,000 | 594,000 |
| Net interest income | 1,241,000 | 2,585,000 | 4,001,000 | 5,329,000 |
| Noninterest income | 257,000 | 509,000 | 758,000 | 1,025,000 |
| Noninterest expense | 1,145,000 | 2,353,000 | 3,562,000 | 4,775,000 |
| Provision for loan losses | 64,000 | 124,000 | 229,000 | 480,000 |
| Pretax income | 274,000 | 602,000 | 953,000 | 1,062,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 274,000 | 602,000 | 953,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,434,000 | 10,789,000 | 11,046,000 | 10,705,000 |
| Total capital | 11,549,000 | 11,891,000 | 12,201,000 | 11,799,000 |
| Risk-weighted assets | 111,277,000 | 116,108,000 | 117,401,000 | 105,394,000 |