Call reports 2017
CITIZENS BANK & TRUST COMPANY — 2017
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 173,596,000 | 178,614,000 | 192,819,000 | 197,925,000 |
| Total loans | 138,805,000 | 141,485,000 | 150,423,000 | 148,614,000 |
| Allowance for loan losses | 1,382,000 | 1,275,000 | 1,289,000 | 1,363,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,425,000 | 29,287,000 | 33,378,000 | 35,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,996,000 | 131,112,000 | 136,317,000 | 137,161,000 |
| Interest-bearing deposits | 108,956,000 | 112,210,000 | 117,444,000 | 87,630,000 |
| Noninterest-bearing deposits | 20,040,000 | 18,902,000 | 18,873,000 | 49,531,000 |
| Equity capital | 18,927,000 | 19,663,000 | 20,194,000 | 20,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 4,091,000 | 6,269,000 | 8,532,000 |
| Interest expense | 288,000 | 593,000 | 938,000 | 1,334,000 |
| Net interest income | 1,704,000 | 3,498,000 | 5,331,000 | 7,198,000 |
| Noninterest income | 99,000 | 220,000 | 369,000 | 365,000 |
| Noninterest expense | 919,000 | 1,836,000 | 2,844,000 | 4,005,000 |
| Provision for loan losses | 110,000 | 110,000 | 110,000 | 521,000 |
| Pretax income | 774,000 | 1,772,000 | 2,746,000 | 3,037,000 |
| Income tax | 190,000 | 452,000 | 695,000 | 738,000 |
| Net income | 584,000 | 1,320,000 | 2,051,000 | 2,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,927,000 | 19,663,000 | 20,194,000 | 20,042,000 |
| Total capital | 20,309,000 | 20,938,000 | 21,483,000 | 21,405,000 |
| Risk-weighted assets | 168,714,000 | 170,292,000 | 181,401,000 | 180,789,000 |