Call reports 2019
CITIZENS BANK AND TRUST, INC. — 2019
What CITIZENS BANK AND TRUST, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 102,980,000 | 101,072,000 | 106,019,000 | 105,180,000 |
| Total loans | 61,554,000 | 62,585,000 | 63,820,000 | 62,306,000 |
| Allowance for loan losses | 996,000 | 990,000 | 972,000 | 941,000 |
| Securities available for sale | 14,621,000 | 14,918,000 | 13,292,000 | 14,746,000 |
| Securities held to maturity | 12,015,000 | 12,537,000 | 12,625,000 | 12,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,678,000 | 88,187,000 | 92,823,000 | 91,746,000 |
| Interest-bearing deposits | 74,191,000 | 72,653,000 | 73,373,000 | 73,282,000 |
| Noninterest-bearing deposits | 16,487,000 | 15,534,000 | 19,450,000 | 18,464,000 |
| Equity capital | 11,284,000 | 11,839,000 | 12,127,000 | 11,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,392,000 | 3,646,000 | 4,898,000 |
| Interest expense | 130,000 | 276,000 | 429,000 | 587,000 |
| Net interest income | 1,044,000 | 2,116,000 | 3,217,000 | 4,311,000 |
| Noninterest income | 231,000 | 446,000 | 681,000 | 952,000 |
| Noninterest expense | 908,000 | 1,775,000 | 2,683,000 | 3,679,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 364,000 | 781,000 | 1,200,000 | 1,566,000 |
| Income tax | 98,000 | 206,000 | 294,000 | 345,000 |
| Net income | 266,000 | 575,000 | 906,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,453,000 | 11,762,000 | 12,093,000 | 11,408,000 |
| Total capital | 12,167,000 | 12,478,000 | 12,834,000 | 12,136,000 |
| Risk-weighted assets | 56,823,000 | 57,028,000 | 59,036,000 | 58,025,000 |