Call reports 2019
CITIZENS BANK & TRUST COMPANY — 2019
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 198,216,000 | 202,165,000 | 210,678,000 | 205,770,000 |
| Total loans | 154,158,000 | 155,876,000 | 162,032,000 | 156,009,000 |
| Allowance for loan losses | 1,597,000 | 1,600,000 | 1,601,000 | 1,602,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 34,534,000 | 33,725,000 | 32,472,000 | 31,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,524,000 | 146,166,000 | 160,548,000 | 161,890,000 |
| Interest-bearing deposits | 99,666,000 | 100,138,000 | 111,457,000 | 113,459,000 |
| Noninterest-bearing deposits | 43,858,000 | 46,028,000 | 49,091,000 | 48,431,000 |
| Equity capital | 22,796,000 | 23,390,000 | 23,869,000 | 23,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,450,000 | 5,058,000 | 7,659,000 | 9,544,000 |
| Interest expense | 575,000 | 1,174,000 | 1,840,000 | 2,499,000 |
| Net interest income | 1,875,000 | 3,884,000 | 5,819,000 | 7,045,000 |
| Noninterest income | 98,000 | 204,000 | 323,000 | 439,000 |
| Noninterest expense | 1,079,000 | 2,204,000 | 3,412,000 | 4,573,000 |
| Provision for loan losses | 0 | 0 | 0 | 461,000 |
| Pretax income | 894,000 | 1,884,000 | 2,730,000 | 2,450,000 |
| Income tax | 138,000 | 299,000 | 431,000 | 329,000 |
| Net income | 756,000 | 1,585,000 | 2,299,000 | 2,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,796,000 | 23,390,000 | 23,869,000 | 23,456,000 |
| Total capital | 24,393,000 | 24,990,000 | 25,470,000 | 25,058,000 |
| Risk-weighted assets | 179,241,000 | 190,533,000 | 190,542,000 | 188,854,000 |