Call reports 2015
CITIZENS BANK & TRUST COMPANY — 2015
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 153,015,000 | 149,661,000 | 160,131,000 | 163,732,000 |
| Total loans | 106,489,000 | 115,746,000 | 127,335,000 | 127,286,000 |
| Allowance for loan losses | 1,082,000 | 1,027,000 | 950,000 | 947,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,146,000 | 24,919,000 | 25,197,000 | 24,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,452,000 | 115,542,000 | 115,612,000 | 118,360,000 |
| Interest-bearing deposits | 95,192,000 | 97,172,000 | 97,052,000 | 94,347,000 |
| Noninterest-bearing deposits | 25,260,000 | 18,370,000 | 18,560,000 | 24,013,000 |
| Equity capital | 15,513,000 | 16,212,000 | 16,591,000 | 16,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,644,000 | 3,370,000 | 5,177,000 | 7,039,000 |
| Interest expense | 237,000 | 485,000 | 747,000 | 1,011,000 |
| Net interest income | 1,407,000 | 2,885,000 | 4,430,000 | 6,028,000 |
| Noninterest income | 106,000 | 196,000 | 333,000 | 448,000 |
| Noninterest expense | 760,000 | 1,479,000 | 2,241,000 | 3,255,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 150,000 |
| Pretax income | 753,000 | 1,670,000 | 2,440,000 | 3,139,000 |
| Income tax | 178,000 | 396,000 | 587,000 | 741,000 |
| Net income | 575,000 | 1,274,000 | 1,853,000 | 2,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,513,000 | 16,212,000 | 16,591,000 | 16,936,000 |
| Total capital | 16,595,000 | 17,239,000 | 17,541,000 | 17,883,000 |
| Risk-weighted assets | 121,782,000 | 128,447,000 | 150,882,000 | 151,280,000 |