Call reports 2018
CITIZENS BANK & TRUST COMPANY — 2018
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 400,898,000 | 398,766,000 | 394,865,000 | 396,886,000 |
| Total loans | 237,570,000 | 238,293,000 | 236,626,000 | 235,482,000 |
| Allowance for loan losses | 4,695,000 | 4,352,000 | 4,261,000 | 4,312,000 |
| Securities available for sale | 85,197,000 | 87,510,000 | 87,536,000 | 86,971,000 |
| Securities held to maturity | 41,673,000 | 42,544,000 | 43,262,000 | 44,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,076,000 | 344,323,000 | 340,867,000 | 344,580,000 |
| Interest-bearing deposits | 276,883,000 | 271,552,000 | 268,261,000 | 273,599,000 |
| Noninterest-bearing deposits | 71,193,000 | 72,771,000 | 72,606,000 | 70,981,000 |
| Equity capital | 49,725,000 | 48,879,000 | 50,488,000 | 49,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,216,000 | 8,458,000 | 12,734,000 | 16,946,000 |
| Interest expense | 306,000 | 634,000 | 1,090,000 | 1,746,000 |
| Net interest income | 3,910,000 | 7,824,000 | 11,644,000 | 15,200,000 |
| Noninterest income | 663,000 | 1,314,000 | 1,974,000 | 2,633,000 |
| Noninterest expense | 2,115,000 | 4,262,000 | 6,358,000 | 8,348,000 |
| Provision for loan losses | 0 | -300,000 | -300,000 | -200,000 |
| Pretax income | 2,458,000 | 5,176,000 | 7,560,000 | 9,685,000 |
| Income tax | 550,000 | 1,145,000 | 1,648,000 | 2,007,000 |
| Net income | 1,908,000 | 4,031,000 | 5,912,000 | 7,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,102,000 | 49,424,000 | 51,272,000 | 50,238,000 |
| Total capital | 53,283,000 | 52,607,000 | 54,474,000 | 53,443,000 |
| Risk-weighted assets | 252,980,000 | 253,484,000 | 255,133,000 | 255,257,000 |