Call reports 2018
CITIZENS BANK & TRUST COMPANY — 2018
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 192,453,000 | 196,288,000 | 205,473,000 | 205,553,000 |
| Total loans | 147,105,000 | 151,217,000 | 160,836,000 | 158,370,000 |
| Allowance for loan losses | 1,510,000 | 1,510,000 | 1,548,000 | 1,595,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 35,803,000 | 35,984,000 | 35,291,000 | 34,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,057,000 | 143,082,000 | 151,848,000 | 155,882,000 |
| Interest-bearing deposits | 90,441,000 | 96,612,000 | 102,136,000 | 109,787,000 |
| Noninterest-bearing deposits | 48,616,000 | 46,470,000 | 49,712,000 | 46,095,000 |
| Equity capital | 20,706,000 | 21,326,000 | 21,923,000 | 22,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,579,000 | 7,037,000 | 9,574,000 |
| Interest expense | 388,000 | 793,000 | 1,321,000 | 1,923,000 |
| Net interest income | 1,867,000 | 3,786,000 | 5,716,000 | 7,651,000 |
| Noninterest income | 101,000 | 203,000 | 310,000 | 421,000 |
| Noninterest expense | 1,053,000 | 2,106,000 | 3,169,000 | 4,272,000 |
| Provision for loan losses | 145,000 | 145,000 | 180,000 | 233,000 |
| Pretax income | 770,000 | 1,738,000 | 2,677,000 | 3,567,000 |
| Income tax | 106,000 | 254,000 | 397,000 | 534,000 |
| Net income | 664,000 | 1,484,000 | 2,280,000 | 3,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,706,000 | 21,326,000 | 21,923,000 | 22,276,000 |
| Total capital | 22,216,000 | 22,836,000 | 23,471,000 | 23,871,000 |
| Risk-weighted assets | 184,728,000 | 185,442,000 | 198,918,000 | 188,189,000 |