Call reports 2019
CITIZENS BANK AND TRUST COMPANY — 2019
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 313,437,000 | 315,346,000 | 313,722,000 | 341,417,000 |
| Total loans | 238,236,000 | 235,604,000 | 238,843,000 | 240,493,000 |
| Allowance for loan losses | 4,630,000 | 4,702,000 | 4,838,000 | 4,769,000 |
| Securities available for sale | 19,027,000 | 18,433,000 | 17,699,000 | 14,992,000 |
| Securities held to maturity | 11,727,000 | 11,696,000 | 9,687,000 | 9,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,338,000 | 266,782,000 | 264,839,000 | 292,980,000 |
| Interest-bearing deposits | 191,044,000 | 196,099,000 | 192,888,000 | 217,604,000 |
| Noninterest-bearing deposits | 73,294,000 | 70,683,000 | 71,951,000 | 75,376,000 |
| Equity capital | 33,718,000 | 34,700,000 | 35,386,000 | 36,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,485,000 | 7,035,000 | 10,687,000 | 14,247,000 |
| Interest expense | 602,000 | 1,220,000 | 1,875,000 | 2,492,000 |
| Net interest income | 2,883,000 | 5,815,000 | 8,812,000 | 11,755,000 |
| Noninterest income | 396,000 | 835,000 | 1,341,000 | 1,879,000 |
| Noninterest expense | 2,183,000 | 4,308,000 | 6,457,000 | 8,885,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 946,000 | 2,042,000 | 3,246,000 | 4,149,000 |
| Income tax | 211,000 | 467,000 | 743,000 | 800,000 |
| Net income | 735,000 | 1,575,000 | 2,503,000 | 3,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,475,000 | 37,316,000 | 37,984,000 | 38,830,000 |
| Total capital | 39,718,000 | 40,494,000 | 41,199,000 | 42,130,000 |
| Risk-weighted assets | 258,058,000 | 252,755,000 | 255,617,000 | 262,553,000 |
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