Call reports 2021
CITIZENS BANK & TRUST COMPANY — 2021
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 492,103,000 | 509,996,000 | 522,803,000 | 534,827,000 |
| Total loans | 233,562,000 | 238,986,000 | 239,543,000 | 232,603,000 |
| Allowance for loan losses | 4,410,000 | 4,438,000 | 4,427,000 | 4,514,000 |
| Securities available for sale | 100,361,000 | 108,309,000 | 114,162,000 | 123,789,000 |
| Securities held to maturity | 35,040,000 | 34,382,000 | 33,693,000 | 29,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,129,000 | 443,861,000 | 457,277,000 | 471,299,000 |
| Interest-bearing deposits | 314,522,000 | 328,599,000 | 341,470,000 | 352,693,000 |
| Noninterest-bearing deposits | 112,607,000 | 115,262,000 | 115,807,000 | 118,606,000 |
| Equity capital | 57,775,000 | 59,710,000 | 58,874,000 | 57,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,240,000 | 8,425,000 | 12,541,000 | 16,668,000 |
| Interest expense | 275,000 | 540,000 | 788,000 | 1,039,000 |
| Net interest income | 3,965,000 | 7,885,000 | 11,753,000 | 15,629,000 |
| Noninterest income | 902,000 | 1,578,000 | 2,280,000 | 2,976,000 |
| Noninterest expense | 2,313,000 | 4,634,000 | 7,029,000 | 9,563,000 |
| Provision for loan losses | 100,000 | 140,000 | 140,000 | 260,000 |
| Pretax income | 2,454,000 | 4,689,000 | 6,864,000 | 8,782,000 |
| Income tax | 566,000 | 1,081,000 | 1,583,000 | 2,016,000 |
| Net income | 1,888,000 | 3,608,000 | 5,281,000 | 6,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,106,000 | 57,826,000 | 57,049,000 | 56,083,000 |