Call reports 2019
CITIZENS BANK & TRUST COMPANY — 2019
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 411,101,000 | 404,937,000 | 401,093,000 | 404,066,000 |
| Total loans | 246,158,000 | 246,257,000 | 250,539,000 | 249,134,000 |
| Allowance for loan losses | 4,293,000 | 4,188,000 | 4,096,000 | 4,084,000 |
| Securities available for sale | 88,471,000 | 92,602,000 | 83,210,000 | 82,650,000 |
| Securities held to maturity | 44,055,000 | 43,469,000 | 44,189,000 | 43,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,965,000 | 346,484,000 | 341,172,000 | 345,605,000 |
| Interest-bearing deposits | 272,298,000 | 274,886,000 | 266,635,000 | 271,087,000 |
| Noninterest-bearing deposits | 79,667,000 | 71,598,000 | 74,537,000 | 74,518,000 |
| Equity capital | 52,132,000 | 52,360,000 | 54,419,000 | 53,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,361,000 | 8,840,000 | 13,358,000 | 17,888,000 |
| Interest expense | 743,000 | 1,543,000 | 2,335,000 | 3,069,000 |
| Net interest income | 3,618,000 | 7,297,000 | 11,023,000 | 14,819,000 |
| Noninterest income | 636,000 | 1,277,000 | 1,949,000 | 2,604,000 |
| Noninterest expense | 2,240,000 | 4,372,000 | 6,521,000 | 8,611,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 2,014,000 | 4,208,000 | 6,430,000 | 8,761,000 |
| Income tax | 382,000 | 822,000 | 1,278,000 | 1,751,000 |
| Net income | 1,632,000 | 3,386,000 | 5,152,000 | 7,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,870,000 | 51,023,000 | 52,789,000 | 52,082,000 |
| Total capital | 55,232,000 | 54,376,000 | 56,219,000 | 55,448,000 |
| Risk-weighted assets | 267,991,000 | 267,376,000 | 273,699,000 | 268,537,000 |