Call reports 2019
CITIZENS BANK & TRUST COMPANY — 2019
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 209,952,000 | 213,684,000 | 227,036,000 | 228,464,000 |
| Total loans | 112,293,000 | 112,749,000 | 129,081,000 | 137,480,000 |
| Allowance for loan losses | 2,229,000 | 2,242,000 | 2,270,000 | 2,272,000 |
| Securities available for sale | 79,899,000 | 83,433,000 | 84,043,000 | 80,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,811,000 | 176,368,000 | 188,421,000 | 189,651,000 |
| Interest-bearing deposits | 135,220,000 | 137,054,000 | 150,368,000 | 151,864,000 |
| Noninterest-bearing deposits | 38,591,000 | 39,314,000 | 38,053,000 | 37,787,000 |
| Equity capital | 35,327,000 | 36,359,000 | 37,347,000 | 37,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,141,000 | 4,307,000 | 6,513,000 | 8,866,000 |
| Interest expense | 411,000 | 838,000 | 1,297,000 | 1,774,000 |
| Net interest income | 1,730,000 | 3,469,000 | 5,216,000 | 7,092,000 |
| Noninterest income | 328,000 | 697,000 | 1,083,000 | 1,483,000 |
| Noninterest expense | 1,399,000 | 2,814,000 | 4,141,000 | 5,598,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 629,000 | 1,303,000 | 2,109,000 | 2,928,000 |
| Income tax | 100,000 | 200,000 | 330,000 | 450,000 |
| Net income | 529,000 | 1,103,000 | 1,779,000 | 2,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,607,000 | 35,681,000 | 36,357,000 | 36,305,000 |
| Total capital | 37,111,000 | 37,241,000 | 38,054,000 | 38,148,000 |
| Risk-weighted assets | 119,667,000 | 124,192,000 | 135,244,000 | 147,034,000 |
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