Call reports 2021
CITIZENS BANK AND TRUST, INC. — 2021
What CITIZENS BANK AND TRUST, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 123,769,000 | 125,831,000 | 129,500,000 | 132,271,000 |
| Total loans | 61,399,000 | 64,458,000 | 66,450,000 | 66,813,000 |
| Allowance for loan losses | 1,012,000 | 1,027,000 | 1,049,000 | 1,046,000 |
| Securities available for sale | 19,550,000 | 22,082,000 | 23,130,000 | 24,097,000 |
| Securities held to maturity | 14,450,000 | 13,711,000 | 12,235,000 | 11,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,468,000 | 112,181,000 | 115,529,000 | 118,244,000 |
| Interest-bearing deposits | 86,512,000 | 88,128,000 | 92,517,000 | 94,908,000 |
| Noninterest-bearing deposits | 23,956,000 | 24,053,000 | 23,012,000 | 23,336,000 |
| Equity capital | 12,391,000 | 12,758,000 | 13,053,000 | 12,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,161,000 | 2,337,000 | 3,559,000 | 4,791,000 |
| Interest expense | 87,000 | 162,000 | 233,000 | 302,000 |
| Net interest income | 1,074,000 | 2,175,000 | 3,326,000 | 4,489,000 |
| Noninterest income | 426,000 | 712,000 | 967,000 | 1,151,000 |
| Noninterest expense | 989,000 | 1,971,000 | 2,909,000 | 3,754,000 |
| Provision for loan losses | 23,000 | 41,000 | 64,000 | 82,000 |
| Pretax income | 469,000 | 849,000 | 1,288,000 | 1,760,000 |
| Income tax | 98,000 | 176,000 | 284,000 | 356,000 |
| Net income | 371,000 | 673,000 | 1,004,000 | 1,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,317,000 | 12,619,000 | 12,950,000 | 12,700,000 |
| Total capital | 13,089,000 | 13,410,000 | 13,757,000 | 13,494,000 |
| Risk-weighted assets | 61,532,000 | 63,003,000 | 64,333,000 | 63,361,000 |