Call reports 2015
CITIZENS BANK AND TRUST COMPANY — 2015
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 244,229,000 | 237,936,000 | 240,560,000 | 251,781,000 |
| Total loans | 169,615,000 | 173,928,000 | 174,997,000 | 175,849,000 |
| Allowance for loan losses | 3,761,000 | 3,850,000 | 3,950,000 | 3,750,000 |
| Securities available for sale | 12,447,000 | 12,751,000 | 12,252,000 | 11,582,000 |
| Securities held to maturity | 14,046,000 | 15,746,000 | 14,721,000 | 13,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,979,000 | 201,068,000 | 203,386,000 | 214,446,000 |
| Interest-bearing deposits | 145,304,000 | 139,098,000 | 139,848,000 | 149,783,000 |
| Noninterest-bearing deposits | 62,675,000 | 61,970,000 | 63,538,000 | 64,663,000 |
| Equity capital | 27,092,000 | 27,515,000 | 27,670,000 | 28,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,329,000 | 4,684,000 | 7,125,000 | 9,521,000 |
| Interest expense | 118,000 | 234,000 | 359,000 | 488,000 |
| Net interest income | 2,211,000 | 4,450,000 | 6,766,000 | 9,033,000 |
| Noninterest income | 407,000 | 758,000 | 1,122,000 | 1,607,000 |
| Noninterest expense | 1,853,000 | 3,682,000 | 5,552,000 | 7,761,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 675,000 | 1,346,000 | 2,066,000 | 2,519,000 |
| Income tax | 232,000 | 480,000 | 733,000 | 724,000 |
| Net income | 443,000 | 866,000 | 1,333,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,441,000 | 29,865,000 | 30,022,000 | 30,484,000 |
| Total capital | 31,803,000 | 32,259,000 | 32,465,000 | 32,983,000 |
| Risk-weighted assets | 187,565,000 | 190,078,000 | 193,991,000 | 198,727,000 |