Call reports 2015
CITIZENS BANK AND TRUST, INC. — 2015
What CITIZENS BANK AND TRUST, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 97,206,000 | 96,804,000 | 95,389,000 | 99,059,000 |
| Total loans | 57,704,000 | 58,560,000 | 61,294,000 | 62,246,000 |
| Allowance for loan losses | 1,029,000 | 842,000 | 856,000 | 900,000 |
| Securities available for sale | 14,102,000 | 14,047,000 | 13,850,000 | 13,633,000 |
| Securities held to maturity | 8,703,000 | 9,281,000 | 9,209,000 | 9,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,629,000 | 85,032,000 | 83,416,000 | 86,998,000 |
| Interest-bearing deposits | 75,188,000 | 74,582,000 | 72,873,000 | 74,055,000 |
| Noninterest-bearing deposits | 10,441,000 | 10,450,000 | 10,543,000 | 12,943,000 |
| Equity capital | 10,411,000 | 10,575,000 | 10,779,000 | 10,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,062,000 | 2,165,000 | 3,299,000 | 4,469,000 |
| Interest expense | 89,000 | 174,000 | 261,000 | 347,000 |
| Net interest income | 973,000 | 1,991,000 | 3,038,000 | 4,122,000 |
| Noninterest income | 185,000 | 352,000 | 472,000 | 648,000 |
| Noninterest expense | 837,000 | 1,647,000 | 2,515,000 | 3,351,000 |
| Provision for loan losses | 13,000 | 36,000 | 69,000 | 112,000 |
| Pretax income | 308,000 | 660,000 | 930,000 | 1,312,000 |
| Income tax | 108,000 | 216,000 | 324,000 | 414,000 |
| Net income | 200,000 | 444,000 | 606,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,379,000 | 10,527,000 | 10,773,000 | 10,509,000 |
| Total capital | 11,087,000 | 11,243,000 | 11,500,000 | 11,248,000 |
| Risk-weighted assets | 56,699,000 | 57,132,000 | 58,161,000 | 59,096,000 |