Call reports 2018
CITIZENS BANK AND TRUST COMPANY — 2018
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 302,750,000 | 301,782,000 | 302,912,000 | 321,248,000 |
| Total loans | 221,501,000 | 224,517,000 | 229,595,000 | 229,862,000 |
| Allowance for loan losses | 4,280,000 | 4,375,000 | 4,415,000 | 4,454,000 |
| Securities available for sale | 19,327,000 | 19,838,000 | 19,346,000 | 18,691,000 |
| Securities held to maturity | 12,849,000 | 12,835,000 | 12,237,000 | 11,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,800,000 | 255,987,000 | 255,445,000 | 272,971,000 |
| Interest-bearing deposits | 187,024,000 | 182,156,000 | 181,944,000 | 196,118,000 |
| Noninterest-bearing deposits | 70,776,000 | 73,831,000 | 73,501,000 | 76,853,000 |
| Equity capital | 30,473,000 | 31,152,000 | 31,685,000 | 33,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,066,000 | 6,234,000 | 9,521,000 | 12,975,000 |
| Interest expense | 321,000 | 695,000 | 1,153,000 | 1,681,000 |
| Net interest income | 2,745,000 | 5,539,000 | 8,368,000 | 11,294,000 |
| Noninterest income | 407,000 | 752,000 | 1,095,000 | 1,597,000 |
| Noninterest expense | 2,180,000 | 4,293,000 | 6,330,000 | 8,617,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 882,000 | 1,818,000 | 2,863,000 | 3,914,000 |
| Income tax | 177,000 | 395,000 | 618,000 | 779,000 |
| Net income | 705,000 | 1,423,000 | 2,245,000 | 3,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,825,000 | 34,543,000 | 35,107,000 | 35,997,000 |
| Total capital | 36,842,000 | 37,590,000 | 38,221,000 | 39,162,000 |
| Risk-weighted assets | 240,117,000 | 242,454,000 | 247,834,000 | 251,944,000 |