Call reports 2018
CITIZENS BANK AND TRUST, INC. — 2018
What CITIZENS BANK AND TRUST, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 100,675,000 | 99,183,000 | 98,801,000 | 97,664,000 |
| Total loans | 63,527,000 | 62,364,000 | 61,849,000 | 61,328,000 |
| Allowance for loan losses | 1,047,000 | 1,067,000 | 1,055,000 | 1,031,000 |
| Securities available for sale | 12,894,000 | 13,662,000 | 14,321,000 | 14,079,000 |
| Securities held to maturity | 11,413,000 | 11,599,000 | 11,590,000 | 11,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,787,000 | 87,066,000 | 86,474,000 | 84,840,000 |
| Interest-bearing deposits | 74,005,000 | 72,994,000 | 71,366,000 | 71,142,000 |
| Noninterest-bearing deposits | 14,782,000 | 14,072,000 | 15,108,000 | 13,698,000 |
| Equity capital | 10,878,000 | 11,131,000 | 11,287,000 | 10,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,368,000 | 3,577,000 | 4,767,000 |
| Interest expense | 91,000 | 201,000 | 315,000 | 433,000 |
| Net interest income | 1,081,000 | 2,167,000 | 3,262,000 | 4,334,000 |
| Noninterest income | 232,000 | 465,000 | 679,000 | 902,000 |
| Noninterest expense | 943,000 | 1,838,000 | 2,769,000 | 3,597,000 |
| Provision for loan losses | 33,000 | 66,000 | 89,000 | 102,000 |
| Pretax income | 337,000 | 728,000 | 1,083,000 | 1,537,000 |
| Income tax | 108,000 | 186,000 | 294,000 | 329,000 |
| Net income | 229,000 | 542,000 | 789,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,208,000 | 11,522,000 | 11,769,000 | 11,187,000 |
| Total capital | 11,924,000 | 12,226,000 | 12,471,000 | 11,878,000 |
| Risk-weighted assets | 56,955,000 | 56,085,000 | 55,962,000 | 55,010,000 |