Call reports 2018
CITIZENS BANK & TRUST COMPANY — 2018
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 200,634,000 | 196,849,000 | 201,973,000 | 206,193,000 |
| Total loans | 108,473,000 | 110,427,000 | 112,207,000 | 112,883,000 |
| Allowance for loan losses | 1,970,000 | 2,029,000 | 2,063,000 | 2,200,000 |
| Securities available for sale | 75,307,000 | 77,197,000 | 76,515,000 | 77,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,498,000 | 161,621,000 | 168,590,000 | 171,969,000 |
| Interest-bearing deposits | 126,616,000 | 124,436,000 | 129,772,000 | 134,974,000 |
| Noninterest-bearing deposits | 35,882,000 | 37,185,000 | 38,818,000 | 36,995,000 |
| Equity capital | 31,281,000 | 30,921,000 | 30,672,000 | 33,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,884,000 | 3,909,000 | 5,985,000 | 7,966,000 |
| Interest expense | 228,000 | 499,000 | 866,000 | 1,248,000 |
| Net interest income | 1,656,000 | 3,410,000 | 5,119,000 | 6,718,000 |
| Noninterest income | 331,000 | 675,000 | 1,046,000 | 1,429,000 |
| Noninterest expense | 1,412,000 | 2,808,000 | 4,290,000 | 5,377,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 250,000 |
| Pretax income | 521,000 | 1,193,000 | 1,794,000 | 2,543,000 |
| Income tax | 67,000 | 207,000 | 237,000 | 326,000 |
| Net income | 454,000 | 986,000 | 1,557,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,798,000 | 33,847,000 | 34,418,000 | 35,078,000 |
| Total capital | 35,244,000 | 35,281,000 | 35,941,000 | 36,544,000 |
| Risk-weighted assets | 115,141,000 | 114,158,000 | 121,275,000 | 116,533,000 |
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