Call reports 2021
CITIZENS BANK AND TRUST COMPANY — 2021
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 397,617,000 | 403,576,000 | 409,738,000 | 425,755,000 |
| Total loans | 279,362,000 | 272,969,000 | 259,682,000 | 248,392,000 |
| Allowance for loan losses | 5,100,000 | 5,343,000 | 5,585,000 | 5,776,000 |
| Securities available for sale | 15,643,000 | 15,814,000 | 15,871,000 | 16,518,000 |
| Securities held to maturity | 9,224,000 | 13,707,000 | 16,635,000 | 18,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,319,000 | 354,012,000 | 358,800,000 | 375,867,000 |
| Interest-bearing deposits | 223,718,000 | 221,661,000 | 220,340,000 | 246,389,000 |
| Noninterest-bearing deposits | 124,601,000 | 132,351,000 | 138,460,000 | 129,478,000 |
| Equity capital | 38,959,000 | 39,840,000 | 40,374,000 | 43,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,957,000 | 7,506,000 | 11,300,000 | 14,811,000 |
| Interest expense | 243,000 | 456,000 | 632,000 | 787,000 |
| Net interest income | 3,714,000 | 7,050,000 | 10,668,000 | 14,024,000 |
| Noninterest income | 328,000 | 633,000 | 956,000 | 1,467,000 |
| Noninterest expense | 2,224,000 | 4,477,000 | 6,773,000 | 9,383,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 1,593,000 | 2,756,000 | 4,176,000 | 5,208,000 |
| Income tax | 366,000 | 655,000 | 994,000 | 1,182,000 |
| Net income | 1,227,000 | 2,101,000 | 3,182,000 | 4,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,427,000 | 42,301,000 | 43,035,000 | 43,116,000 |
| Total capital | 45,229,000 | 45,863,000 | 46,433,000 | 46,482,000 |
| Risk-weighted assets | 302,885,000 | 283,246,000 | 269,660,000 | 266,941,000 |