Call reports 2021
CITIZENS BANK & TRUST COMPANY — 2021
What CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 228,305,000 | 237,282,000 | 240,446,000 | 242,060,000 |
| Total loans | 128,873,000 | 125,049,000 | 128,007,000 | 127,748,000 |
| Allowance for loan losses | 2,013,000 | 2,087,000 | 2,103,000 | 1,560,000 |
| Securities available for sale | 14,790,000 | 22,060,000 | 40,381,000 | 59,337,000 |
| Securities held to maturity | 22,519,000 | 21,105,000 | 19,129,000 | 17,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,495,000 | 195,499,000 | 196,072,000 | 197,223,000 |
| Interest-bearing deposits | 107,982,000 | 112,412,000 | 111,281,000 | 112,297,000 |
| Noninterest-bearing deposits | 77,513,000 | 83,087,000 | 84,791,000 | 84,926,000 |
| Equity capital | 25,246,000 | 24,960,000 | 25,906,000 | 25,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,137,000 | 3,969,000 | 5,854,000 | 8,951,000 |
| Interest expense | 389,000 | 745,000 | 1,091,000 | 1,423,000 |
| Net interest income | 1,748,000 | 3,224,000 | 4,763,000 | 7,528,000 |
| Noninterest income | 732,000 | 1,546,000 | 1,749,000 | 717,000 |
| Noninterest expense | 1,614,000 | 3,114,000 | 3,792,000 | 5,004,000 |
| Provision for loan losses | 0 | 0 | 0 | -561,000 |
| Pretax income | 866,000 | 1,656,000 | 2,720,000 | 3,802,000 |
| Income tax | 156,000 | 309,000 | 517,000 | 732,000 |
| Net income | 710,000 | 1,347,000 | 2,203,000 | 3,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,322,000 | 25,133,000 | 25,989,000 | 26,382,000 |