Call reports 2017
CITIZENS BANK AND TRUST, INC. — 2017
What CITIZENS BANK AND TRUST, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 102,338,000 | 101,735,000 | 98,398,000 | 97,088,000 |
| Total loans | 63,789,000 | 64,558,000 | 64,786,000 | 63,737,000 |
| Allowance for loan losses | 980,000 | 991,000 | 1,007,000 | 1,036,000 |
| Securities available for sale | 13,957,000 | 14,272,000 | 13,017,000 | 12,961,000 |
| Securities held to maturity | 10,615,000 | 11,074,000 | 11,063,000 | 11,424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,950,000 | 88,915,000 | 85,387,000 | 84,168,000 |
| Interest-bearing deposits | 76,779,000 | 76,696,000 | 73,186,000 | 71,569,000 |
| Noninterest-bearing deposits | 13,171,000 | 12,219,000 | 12,201,000 | 12,599,000 |
| Equity capital | 11,354,000 | 11,766,000 | 12,000,000 | 10,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,168,000 | 2,389,000 | 3,595,000 | 4,791,000 |
| Interest expense | 86,000 | 169,000 | 254,000 | 342,000 |
| Net interest income | 1,082,000 | 2,220,000 | 3,341,000 | 4,449,000 |
| Noninterest income | 203,000 | 415,000 | 629,000 | 830,000 |
| Noninterest expense | 887,000 | 1,727,000 | 2,616,000 | 3,460,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 152,000 |
| Pretax income | 360,000 | 837,000 | 1,256,000 | 1,668,000 |
| Income tax | 138,000 | 276,000 | 424,000 | 724,000 |
| Net income | 222,000 | 561,000 | 832,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,251,000 | 11,736,000 | 11,933,000 | 10,623,000 |
| Total capital | 11,974,000 | 12,466,000 | 12,659,000 | 11,340,000 |
| Risk-weighted assets | 57,431,000 | 58,002,000 | 57,763,000 | 57,023,000 |