Call reports 2018
CITIZENS BANK AND TRUST COMPANY — 2018
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 128,926,000 | 136,149,000 | 137,509,000 | 126,745,000 |
| Total loans | 98,026,000 | 106,902,000 | 108,851,000 | 94,609,000 |
| Allowance for loan losses | 928,000 | 1,017,000 | 930,000 | 968,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,366,000 | 14,809,000 | 14,182,000 | 11,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,983,000 | 103,915,000 | 102,610,000 | 102,919,000 |
| Interest-bearing deposits | 71,497,000 | 77,832,000 | 77,021,000 | 72,761,000 |
| Noninterest-bearing deposits | 29,486,000 | 26,083,000 | 25,589,000 | 30,158,000 |
| Equity capital | 13,366,000 | 13,507,000 | 13,836,000 | 13,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 3,116,000 | 4,755,000 | 6,314,000 |
| Interest expense | 136,000 | 326,000 | 580,000 | 851,000 |
| Net interest income | 1,294,000 | 2,790,000 | 4,175,000 | 5,463,000 |
| Noninterest income | 241,000 | 426,000 | 879,000 | 1,149,000 |
| Noninterest expense | 1,199,000 | 2,478,000 | 3,710,000 | 4,936,000 |
| Provision for loan losses | 96,000 | 192,000 | 288,000 | 634,000 |
| Pretax income | 215,000 | 521,000 | 1,031,000 | 773,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 521,000 | 1,031,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,957,000 | 12,119,000 | 12,475,000 | 13,271,000 |
| Total capital | 11,885,000 | 13,136,000 | 13,405,000 | 14,239,000 |
| Risk-weighted assets | 109,639,000 | 118,465,000 | 121,352,000 | 109,727,000 |