Call reports 2016
CITIZENS BANK & TRUST COMPANY — 2016
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 209,672,000 | 212,348,000 | 208,401,000 | 203,527,000 |
| Total loans | 99,860,000 | 102,666,000 | 101,515,000 | 102,643,000 |
| Allowance for loan losses | 1,615,000 | 1,698,000 | 1,790,000 | 1,807,000 |
| Securities available for sale | 98,675,000 | 103,037,000 | 99,614,000 | 94,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,796,000 | 175,607,000 | 172,587,000 | 170,696,000 |
| Interest-bearing deposits | 142,520,000 | 145,044,000 | 139,948,000 | 139,698,000 |
| Noninterest-bearing deposits | 32,276,000 | 30,563,000 | 32,639,000 | 30,998,000 |
| Equity capital | 32,771,000 | 33,948,000 | 33,576,000 | 30,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,689,000 | 5,518,000 | 7,213,000 |
| Interest expense | 158,000 | 319,000 | 479,000 | 653,000 |
| Net interest income | 1,683,000 | 3,370,000 | 5,039,000 | 6,560,000 |
| Noninterest income | 322,000 | 664,000 | 1,010,000 | 1,370,000 |
| Noninterest expense | 1,334,000 | 2,780,000 | 4,263,000 | 5,411,000 |
| Provision for loan losses | 30,000 | 150,000 | 240,000 | 420,000 |
| Pretax income | 641,000 | 1,142,000 | 1,635,000 | 2,193,000 |
| Income tax | 140,000 | 140,000 | 165,000 | 293,000 |
| Net income | 501,000 | 1,002,000 | 1,470,000 | 1,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,336,000 | 31,337,000 | 32,853,000 | 29,493,000 |
| Total capital | 32,741,000 | 32,798,000 | 34,275,000 | 30,903,000 |
| Risk-weighted assets | 112,204,000 | 116,679,000 | 113,398,000 | 112,424,000 |
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