Call reports 2020
CITIZENS BANK AND TRUST, INC. — 2020
What CITIZENS BANK AND TRUST, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 104,468,000 | 112,430,000 | 110,733,000 | 115,746,000 |
| Total loans | 61,787,000 | 61,861,000 | 61,246,000 | 62,668,000 |
| Allowance for loan losses | 946,000 | 962,000 | 959,000 | 1,018,000 |
| Securities available for sale | 14,786,000 | 16,210,000 | 18,577,000 | 18,270,000 |
| Securities held to maturity | 12,870,000 | 12,610,000 | 13,209,000 | 13,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,492,000 | 99,308,000 | 97,304,000 | 102,115,000 |
| Interest-bearing deposits | 73,706,000 | 78,476,000 | 77,201,000 | 80,786,000 |
| Noninterest-bearing deposits | 17,786,000 | 20,832,000 | 20,103,000 | 21,329,000 |
| Equity capital | 11,907,000 | 12,173,000 | 12,397,000 | 12,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,430,000 | 3,620,000 | 4,825,000 |
| Interest expense | 149,000 | 290,000 | 415,000 | 524,000 |
| Net interest income | 1,077,000 | 2,140,000 | 3,205,000 | 4,301,000 |
| Noninterest income | 246,000 | 415,000 | 652,000 | 933,000 |
| Noninterest expense | 959,000 | 1,949,000 | 2,943,000 | 3,910,000 |
| Provision for loan losses | 13,000 | 31,000 | 49,000 | 112,000 |
| Pretax income | 350,000 | 581,000 | 873,000 | 1,222,000 |
| Income tax | 98,000 | 131,000 | 224,000 | 235,000 |
| Net income | 252,000 | 450,000 | 649,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,660,000 | 11,858,000 | 12,058,000 | 11,946,000 |
| Total capital | 12,381,000 | 12,598,000 | 12,788,000 | 12,704,000 |
| Risk-weighted assets | 57,437,000 | 58,948,000 | 58,140,000 | 60,379,000 |