Call reports 2017
CITIZENS BANK & TRUST COMPANY — 2017
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 207,789,000 | 203,044,000 | 197,447,000 | 199,533,000 |
| Total loans | 102,207,000 | 104,125,000 | 104,530,000 | 109,239,000 |
| Allowance for loan losses | 1,812,000 | 1,842,000 | 1,909,000 | 1,939,000 |
| Securities available for sale | 92,631,000 | 90,040,000 | 83,356,000 | 79,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,699,000 | 157,802,000 | 156,657,000 | 160,553,000 |
| Interest-bearing deposits | 132,730,000 | 122,999,000 | 120,947,000 | 126,197,000 |
| Noninterest-bearing deposits | 33,969,000 | 34,803,000 | 35,710,000 | 34,356,000 |
| Equity capital | 32,088,000 | 33,102,000 | 33,529,000 | 32,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,662,000 | 5,542,000 | 7,324,000 |
| Interest expense | 191,000 | 399,000 | 611,000 | 828,000 |
| Net interest income | 1,654,000 | 3,263,000 | 4,931,000 | 6,496,000 |
| Noninterest income | 348,000 | 707,000 | 1,072,000 | 1,435,000 |
| Noninterest expense | 1,434,000 | 2,862,000 | 4,332,000 | 5,482,000 |
| Provision for loan losses | 10,000 | 70,000 | 110,000 | 140,000 |
| Pretax income | 558,000 | 1,053,000 | 1,576,000 | 2,324,000 |
| Income tax | 85,000 | 149,000 | 227,000 | 262,000 |
| Net income | 473,000 | 904,000 | 1,349,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,620,000 | 31,008,000 | 32,976,000 | 33,428,000 |
| Total capital | 32,041,000 | 32,441,000 | 34,394,000 | 34,905,000 |
| Risk-weighted assets | 113,316,000 | 114,196,000 | 112,922,000 | 117,743,000 |