Call reports 2015
CITIZENS BANK & TRUST COMPANY — 2015
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 368,945,000 | 373,970,000 | 370,476,000 | 370,396,000 |
| Total loans | 217,538,000 | 212,051,000 | 213,281,000 | 218,231,000 |
| Allowance for loan losses | 4,291,000 | 4,609,000 | 4,673,000 | 4,466,000 |
| Securities available for sale | 75,191,000 | 85,292,000 | 84,012,000 | 78,385,000 |
| Securities held to maturity | 46,227,000 | 48,819,000 | 50,043,000 | 49,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,441,000 | 326,658,000 | 317,912,000 | 322,050,000 |
| Interest-bearing deposits | 262,648,000 | 267,576,000 | 259,380,000 | 263,174,000 |
| Noninterest-bearing deposits | 55,793,000 | 59,082,000 | 58,532,000 | 58,876,000 |
| Equity capital | 44,532,000 | 44,397,000 | 45,983,000 | 45,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,685,000 | 8,293,000 | 11,990,000 | 15,655,000 |
| Interest expense | 234,000 | 468,000 | 713,000 | 955,000 |
| Net interest income | 3,451,000 | 7,825,000 | 11,277,000 | 14,700,000 |
| Noninterest income | 665,000 | 1,284,000 | 1,949,000 | 2,620,000 |
| Noninterest expense | 2,124,000 | 4,320,000 | 6,443,000 | 8,396,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,992,000 | 4,789,000 | 6,783,000 | 8,924,000 |
| Income tax | 573,000 | 1,491,000 | 2,090,000 | 2,733,000 |
| Net income | 1,419,000 | 3,298,000 | 4,693,000 | 6,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,528,000 | 43,706,000 | 45,315,000 | 44,899,000 |
| Total capital | 46,429,000 | 46,641,000 | 48,264,000 | 47,858,000 |
| Risk-weighted assets | 230,716,000 | 233,087,000 | 234,231,000 | 235,228,000 |