Call reports 2019
CITIZENS BANK AND TRUST COMPANY — 2019
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 143,021,000 | 135,708,000 | 141,898,000 | 146,951,000 |
| Total loans | 93,591,000 | 98,950,000 | 98,634,000 | 83,474,000 |
| Allowance for loan losses | 943,000 | 802,000 | 1,785,000 | 1,894,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,032,000 | 12,326,000 | 14,747,000 | 16,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,684,000 | 112,605,000 | 111,085,000 | 116,395,000 |
| Interest-bearing deposits | 87,978,000 | 85,025,000 | 82,462,000 | 84,842,000 |
| Noninterest-bearing deposits | 30,706,000 | 27,580,000 | 28,623,000 | 31,553,000 |
| Equity capital | 13,692,000 | 11,344,000 | 11,437,000 | 11,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 3,037,000 | 4,711,000 | 6,276,000 |
| Interest expense | 236,000 | 560,000 | 916,000 | 1,281,000 |
| Net interest income | 1,215,000 | 2,477,000 | 3,795,000 | 4,995,000 |
| Noninterest income | 460,000 | 675,000 | 929,000 | 1,171,000 |
| Noninterest expense | 1,177,000 | 2,355,000 | 3,541,000 | 4,252,000 |
| Provision for loan losses | 96,000 | 2,678,000 | 4,536,000 | 4,756,000 |
| Pretax income | 421,000 | -1,862,000 | -3,334,000 | -2,823,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 421,000 | -1,862,000 | -3,334,000 | -2,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,692,000 | 11,344,000 | 11,437,000 | 11,948,000 |
| Total capital | 14,635,000 | 12,146,000 | 12,903,000 | 13,278,000 |
| Risk-weighted assets | 115,833,000 | 113,960,000 | 116,993,000 | 105,841,000 |