Call reports 2015
CITIZENS BANK & TRUST COMPANY — 2015
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 229,128,000 | 218,418,000 | 215,473,000 | 210,922,000 |
| Total loans | 108,704,000 | 97,150,000 | 97,329,000 | 99,480,000 |
| Allowance for loan losses | 1,858,000 | 1,795,000 | 1,718,000 | 1,579,000 |
| Securities available for sale | 81,591,000 | 88,107,000 | 105,529,000 | 103,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,715,000 | 185,684,000 | 181,922,000 | 176,888,000 |
| Interest-bearing deposits | 163,660,000 | 157,931,000 | 152,854,000 | 146,644,000 |
| Noninterest-bearing deposits | 27,055,000 | 27,753,000 | 29,068,000 | 30,244,000 |
| Equity capital | 31,607,000 | 30,929,000 | 31,562,000 | 32,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,818,000 | 3,635,000 | 5,375,000 | 7,152,000 |
| Interest expense | 171,000 | 334,000 | 489,000 | 648,000 |
| Net interest income | 1,647,000 | 3,301,000 | 4,886,000 | 6,504,000 |
| Noninterest income | 311,000 | 633,000 | 983,000 | 1,323,000 |
| Noninterest expense | 1,314,000 | 2,685,000 | 4,071,000 | 5,371,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 613,000 | 1,188,000 | 1,727,000 | 2,385,000 |
| Income tax | 135,000 | 245,000 | 330,000 | 440,000 |
| Net income | 478,000 | 943,000 | 1,397,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,022,000 | 31,531,000 | 30,396,000 | 30,835,000 |
| Total capital | 31,418,000 | 32,839,000 | 31,781,000 | 32,254,000 |
| Risk-weighted assets | 111,253,000 | 104,185,000 | 110,436,000 | 113,347,000 |