Call reports 2021
CITIZENS BANK AND TRUST COMPANY — 2021
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 141,591,000 | 124,673,000 | 127,083,000 | 133,080,000 |
| Total loans | 57,992,000 | 66,697,000 | 71,863,000 | 66,969,000 |
| Allowance for loan losses | 1,562,000 | 2,057,000 | 2,108,000 | 2,161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 47,044,000 | 34,631,000 | 34,505,000 | 33,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,473,000 | 105,858,000 | 107,582,000 | 113,567,000 |
| Interest-bearing deposits | 80,231,000 | 71,906,000 | 72,774,000 | 77,810,000 |
| Noninterest-bearing deposits | 39,242,000 | 33,952,000 | 34,808,000 | 35,757,000 |
| Equity capital | 8,699,000 | 7,344,000 | 7,985,000 | 8,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,579,000 | 2,667,000 | 3,602,000 |
| Interest expense | 228,000 | 404,000 | 544,000 | 643,000 |
| Net interest income | 621,000 | 1,175,000 | 2,123,000 | 2,959,000 |
| Noninterest income | 169,000 | 105,000 | 281,000 | 639,000 |
| Noninterest expense | 1,091,000 | 2,233,000 | 3,291,000 | 4,238,000 |
| Provision for loan losses | 341,000 | 1,043,000 | 1,068,000 | 1,068,000 |
| Pretax income | -642,000 | -1,996,000 | -1,955,000 | -1,708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -642,000 | -1,996,000 | -1,955,000 | -1,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,698,000 | 7,344,000 | 7,985,000 | 8,232,000 |
| Total capital | 9,753,000 | 8,513,000 | 9,227,000 | 9,429,000 |
| Risk-weighted assets | 83,930,000 | 92,700,000 | 98,500,000 | 94,793,000 |