Call reports 2016
CITIZENS BANK & TRUST COMPANY — 2016
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 163,279,000 | 164,169,000 | 174,385,000 | 180,229,000 |
| Total loans | 132,691,000 | 134,049,000 | 139,538,000 | 140,495,000 |
| Allowance for loan losses | 1,136,000 | 1,182,000 | 1,259,000 | 1,271,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,619,000 | 24,666,000 | 25,992,000 | 26,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,390,000 | 122,603,000 | 126,621,000 | 129,816,000 |
| Interest-bearing deposits | 97,445,000 | 104,695,000 | 109,491,000 | 108,785,000 |
| Noninterest-bearing deposits | 21,945,000 | 17,908,000 | 17,130,000 | 21,031,000 |
| Equity capital | 17,256,000 | 17,872,000 | 18,352,000 | 18,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,982,000 | 3,957,000 | 5,980,000 | 8,016,000 |
| Interest expense | 355,000 | 635,000 | 914,000 | 1,200,000 |
| Net interest income | 1,627,000 | 3,322,000 | 5,066,000 | 6,816,000 |
| Noninterest income | 100,000 | 204,000 | 328,000 | 444,000 |
| Noninterest expense | 848,000 | 1,776,000 | 2,648,000 | 3,686,000 |
| Provision for loan losses | 200,000 | 250,000 | 325,000 | 368,000 |
| Pretax income | 679,000 | 1,500,000 | 2,421,000 | 3,206,000 |
| Income tax | 159,000 | 364,000 | 604,000 | 798,000 |
| Net income | 520,000 | 1,136,000 | 1,817,000 | 2,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,256,000 | 17,872,000 | 18,352,000 | 18,543,000 |
| Total capital | 18,392,000 | 19,054,000 | 19,611,000 | 19,814,000 |
| Risk-weighted assets | 158,404,000 | 167,155,000 | 166,634,000 | 160,348,000 |