Call reports 2016
CITIZENS BANK & TRUST COMPANY — 2016
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 375,297,000 | 388,125,000 | 383,739,000 | 394,561,000 |
| Total loans | 225,518,000 | 228,726,000 | 229,997,000 | 237,083,000 |
| Allowance for loan losses | 4,445,000 | 4,396,000 | 4,377,000 | 4,367,000 |
| Securities available for sale | 80,430,000 | 81,215,000 | 79,948,000 | 78,123,000 |
| Securities held to maturity | 47,443,000 | 48,721,000 | 48,432,000 | 47,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,156,000 | 337,490,000 | 332,042,000 | 343,389,000 |
| Interest-bearing deposits | 266,558,000 | 274,290,000 | 264,967,000 | 277,547,000 |
| Noninterest-bearing deposits | 58,598,000 | 63,200,000 | 67,075,000 | 65,842,000 |
| Equity capital | 47,242,000 | 47,156,000 | 48,391,000 | 47,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,680,000 | 7,431,000 | 11,213,000 | 15,004,000 |
| Interest expense | 237,000 | 473,000 | 719,000 | 961,000 |
| Net interest income | 3,443,000 | 6,958,000 | 10,494,000 | 14,043,000 |
| Noninterest income | 646,000 | 1,270,000 | 1,897,000 | 2,557,000 |
| Noninterest expense | 2,037,000 | 4,129,000 | 6,261,000 | 8,428,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,052,000 | 4,099,000 | 6,130,000 | 8,172,000 |
| Income tax | 628,000 | 1,250,000 | 1,871,000 | 2,490,000 |
| Net income | 1,424,000 | 2,849,000 | 4,259,000 | 5,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,323,000 | 45,949,000 | 47,359,000 | 46,981,000 |
| Total capital | 49,311,000 | 48,948,000 | 50,453,000 | 50,156,000 |
| Risk-weighted assets | 237,615,000 | 238,564,000 | 246,252,000 | 252,874,000 |