Call reports 2020
CITIZENS BANK AND TRUST COMPANY — 2020
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 141,861,000 | 141,500,000 | 136,897,000 | 146,110,000 |
| Total loans | 76,341,000 | 76,494,000 | 74,695,000 | 61,419,000 |
| Allowance for loan losses | 2,394,000 | 949,000 | 2,199,000 | 2,004,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 36,534,000 | 23,119,000 | 26,062,000 | 32,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,875,000 | 116,898,000 | 113,530,000 | 123,321,000 |
| Interest-bearing deposits | 85,555,000 | 82,661,000 | 81,136,000 | 85,475,000 |
| Noninterest-bearing deposits | 31,320,000 | 34,237,000 | 32,394,000 | 37,846,000 |
| Equity capital | 11,409,000 | 10,928,000 | 9,596,000 | 9,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,481,000 | 3,626,000 | 4,432,000 |
| Interest expense | 339,000 | 627,000 | 902,000 | 1,159,000 |
| Net interest income | 981,000 | 1,854,000 | 2,724,000 | 3,273,000 |
| Noninterest income | 227,000 | 375,000 | 525,000 | 896,000 |
| Noninterest expense | 102,000 | 1,263,000 | 2,514,000 | 3,639,000 |
| Provision for loan losses | 1,645,000 | 1,987,000 | 3,087,000 | 3,138,000 |
| Pretax income | -539,000 | -1,021,000 | -2,352,000 | -2,608,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -539,000 | -1,021,000 | -2,352,000 | -2,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,409,000 | 10,928,000 | 9,596,000 | 9,340,000 |
| Total capital | 12,662,000 | 11,877,000 | 10,861,000 | 10,481,000 |
| Risk-weighted assets | 99,117,000 | 100,782,000 | 100,331,000 | 90,444,000 |