Call reports 2017
CITIZENS BANK AND TRUST COMPANY — 2017
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 280,561,000 | 273,263,000 | 283,105,000 | 301,436,000 |
| Total loans | 191,573,000 | 200,068,000 | 208,199,000 | 217,981,000 |
| Allowance for loan losses | 3,950,000 | 3,995,000 | 4,059,000 | 4,210,000 |
| Securities available for sale | 18,377,000 | 19,927,000 | 18,938,000 | 18,051,000 |
| Securities held to maturity | 14,931,000 | 14,913,000 | 14,485,000 | 13,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,702,000 | 233,683,000 | 232,919,000 | 256,100,000 |
| Interest-bearing deposits | 164,521,000 | 160,242,000 | 158,285,000 | 182,976,000 |
| Noninterest-bearing deposits | 77,181,000 | 73,441,000 | 74,634,000 | 73,124,000 |
| Equity capital | 29,261,000 | 29,874,000 | 30,213,000 | 30,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,551,000 | 5,282,000 | 8,118,000 | 11,119,000 |
| Interest expense | 169,000 | 360,000 | 570,000 | 849,000 |
| Net interest income | 2,382,000 | 4,922,000 | 7,548,000 | 10,270,000 |
| Noninterest income | 410,000 | 766,000 | 1,135,000 | 1,678,000 |
| Noninterest expense | 2,055,000 | 4,070,000 | 6,047,000 | 8,229,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 390,000 |
| Pretax income | 677,000 | 1,498,000 | 2,436,000 | 3,329,000 |
| Income tax | 217,000 | 494,000 | 818,000 | 1,623,000 |
| Net income | 460,000 | 1,004,000 | 1,618,000 | 1,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,917,000 | 32,460,000 | 32,814,000 | 33,430,000 |
| Total capital | 34,608,000 | 35,171,000 | 35,600,000 | 36,344,000 |
| Risk-weighted assets | 214,040,000 | 215,604,000 | 221,622,000 | 231,903,000 |