Call reports 2021
CITIZENS BANK & TRUST COMPANY — 2021
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 289,675,000 | 293,899,000 | 297,165,000 | 307,296,000 |
| Total loans | 158,260,000 | 159,993,000 | 164,449,000 | 168,147,000 |
| Allowance for loan losses | 3,076,000 | 3,159,000 | 3,236,000 | 3,304,000 |
| Securities available for sale | 103,013,000 | 107,050,000 | 106,507,000 | 116,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,721,000 | 251,307,000 | 253,711,000 | 265,135,000 |
| Interest-bearing deposits | 185,211,000 | 186,601,000 | 188,343,000 | 198,016,000 |
| Noninterest-bearing deposits | 62,510,000 | 64,706,000 | 65,368,000 | 67,119,000 |
| Equity capital | 40,176,000 | 40,705,000 | 41,197,000 | 40,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,244,000 | 5,172,000 | 7,651,000 | 9,739,000 |
| Interest expense | 286,000 | 577,000 | 859,000 | 1,145,000 |
| Net interest income | 1,958,000 | 4,595,000 | 6,792,000 | 8,594,000 |
| Noninterest income | 582,000 | 982,000 | 1,419,000 | 1,803,000 |
| Noninterest expense | 1,545,000 | 3,081,000 | 4,829,000 | 6,037,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 920,000 | 2,346,000 | 3,157,000 | 4,060,000 |
| Income tax | 195,000 | 500,000 | 670,000 | 610,000 |
| Net income | 725,000 | 1,846,000 | 2,487,000 | 3,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,694,000 | 39,215,000 | 39,857,000 | 39,970,000 |
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