Call reports 2016
CITIZENS BANK AND TRUST COMPANY — 2016
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 259,361,000 | 259,301,000 | 265,714,000 | 281,334,000 |
| Total loans | 178,848,000 | 179,414,000 | 180,206,000 | 183,522,000 |
| Allowance for loan losses | 3,949,000 | 3,791,000 | 3,904,000 | 3,886,000 |
| Securities available for sale | 14,093,000 | 14,383,000 | 13,840,000 | 17,106,000 |
| Securities held to maturity | 13,038,000 | 12,941,000 | 13,885,000 | 13,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,654,000 | 221,336,000 | 226,225,000 | 242,495,000 |
| Interest-bearing deposits | 155,259,000 | 153,967,000 | 153,881,000 | 165,990,000 |
| Noninterest-bearing deposits | 66,395,000 | 67,369,000 | 72,344,000 | 76,505,000 |
| Equity capital | 28,301,000 | 28,421,000 | 28,726,000 | 29,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,418,000 | 4,878,000 | 7,396,000 | 9,928,000 |
| Interest expense | 139,000 | 286,000 | 436,000 | 598,000 |
| Net interest income | 2,279,000 | 4,592,000 | 6,960,000 | 9,330,000 |
| Noninterest income | 425,000 | 779,000 | 1,244,000 | 1,759,000 |
| Noninterest expense | 1,932,000 | 3,962,000 | 5,944,000 | 8,090,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 712,000 | 1,289,000 | 2,080,000 | 2,759,000 |
| Income tax | 236,000 | 437,000 | 703,000 | 857,000 |
| Net income | 476,000 | 852,000 | 1,377,000 | 1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,751,000 | 30,827,000 | 31,141,000 | 31,666,000 |
| Total capital | 33,255,000 | 33,366,000 | 33,722,000 | 34,281,000 |
| Risk-weighted assets | 198,921,000 | 201,923,000 | 205,181,000 | 207,987,000 |