Call reports 2016
CITIZENS BANK AND TRUST, INC. — 2016
What CITIZENS BANK AND TRUST, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 103,114,000 | 103,406,000 | 99,995,000 | 100,238,000 |
| Total loans | 63,533,000 | 63,995,000 | 63,848,000 | 65,032,000 |
| Allowance for loan losses | 936,000 | 982,000 | 947,000 | 967,000 |
| Securities available for sale | 13,346,000 | 13,448,000 | 14,014,000 | 13,408,000 |
| Securities held to maturity | 9,709,000 | 10,386,000 | 10,890,000 | 10,880,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,043,000 | 91,098,000 | 87,324,000 | 87,637,000 |
| Interest-bearing deposits | 76,771,000 | 77,121,000 | 74,896,000 | 74,487,000 |
| Noninterest-bearing deposits | 14,272,000 | 13,977,000 | 12,428,000 | 13,150,000 |
| Equity capital | 10,898,000 | 11,244,000 | 11,559,000 | 11,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,328,000 | 3,538,000 | 4,789,000 |
| Interest expense | 86,000 | 175,000 | 262,000 | 355,000 |
| Net interest income | 1,054,000 | 2,153,000 | 3,276,000 | 4,434,000 |
| Noninterest income | 200,000 | 403,000 | 602,000 | 799,000 |
| Noninterest expense | 866,000 | 1,667,000 | 2,540,000 | 3,374,000 |
| Provision for loan losses | 58,000 | 121,000 | 174,000 | 252,000 |
| Pretax income | 332,000 | 770,000 | 1,166,000 | 1,610,000 |
| Income tax | 108,000 | 236,000 | 374,000 | 514,000 |
| Net income | 224,000 | 534,000 | 792,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,863,000 | 11,173,000 | 11,431,000 | 10,901,000 |
| Total capital | 11,622,000 | 11,945,000 | 12,193,000 | 11,666,000 |
| Risk-weighted assets | 60,681,000 | 61,531,000 | 60,918,000 | 60,872,000 |