Call reports 2017
CITIZENS BANK & TRUST COMPANY — 2017
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 401,537,000 | 395,902,000 | 390,005,000 | 396,754,000 |
| Total loans | 236,575,000 | 238,106,000 | 241,847,000 | 242,356,000 |
| Allowance for loan losses | 4,341,000 | 4,324,000 | 4,194,000 | 4,292,000 |
| Securities available for sale | 84,990,000 | 89,067,000 | 81,757,000 | 79,699,000 |
| Securities held to maturity | 44,395,000 | 46,341,000 | 46,181,000 | 44,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,241,000 | 344,472,000 | 334,061,000 | 346,102,000 |
| Interest-bearing deposits | 278,366,000 | 276,054,000 | 266,631,000 | 278,843,000 |
| Noninterest-bearing deposits | 70,875,000 | 68,418,000 | 67,430,000 | 67,259,000 |
| Equity capital | 48,918,000 | 48,775,000 | 50,259,000 | 48,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,849,000 | 7,838,000 | 11,819,000 | 15,871,000 |
| Interest expense | 245,000 | 498,000 | 779,000 | 1,075,000 |
| Net interest income | 3,604,000 | 7,340,000 | 11,040,000 | 14,796,000 |
| Noninterest income | 634,000 | 1,267,000 | 1,924,000 | 2,584,000 |
| Noninterest expense | 2,048,000 | 4,147,000 | 6,209,000 | 8,197,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,190,000 | 4,460,000 | 6,751,000 | 9,180,000 |
| Income tax | 690,000 | 1,400,000 | 2,127,000 | 3,602,000 |
| Net income | 1,500,000 | 3,060,000 | 4,624,000 | 5,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,481,000 | 48,141,000 | 49,705,000 | 48,159,000 |
| Total capital | 51,672,000 | 51,363,000 | 52,935,000 | 51,364,000 |
| Risk-weighted assets | 254,112,000 | 256,671,000 | 257,409,000 | 255,287,000 |