Call reports 2015
CITIZENS BANK AND TRUST COMPANY — 2015
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 909,684,000 | 906,893,000 | 894,657,000 | 918,906,000 |
| Total loans | 588,952,000 | 578,474,000 | 573,883,000 | 599,378,000 |
| Allowance for loan losses | 7,438,000 | 7,679,000 | 7,671,000 | 7,564,000 |
| Securities available for sale | 218,426,000 | 216,302,000 | 218,969,000 | 213,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 692,954,000 | 685,913,000 | 676,228,000 | 680,073,000 |
| Interest-bearing deposits | 581,921,000 | 574,569,000 | 566,545,000 | 568,844,000 |
| Noninterest-bearing deposits | 111,033,000 | 111,344,000 | 109,683,000 | 111,229,000 |
| Equity capital | 98,026,000 | 95,430,000 | 94,690,000 | 89,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,252,000 | 14,372,000 | 21,481,000 | 29,292,000 |
| Interest expense | 758,000 | 1,493,000 | 2,200,000 | 2,924,000 |
| Net interest income | 6,494,000 | 12,879,000 | 19,281,000 | 26,368,000 |
| Noninterest income | 1,966,000 | 3,899,000 | 5,742,000 | 7,540,000 |
| Noninterest expense | 6,837,000 | 13,380,000 | 19,690,000 | 26,568,000 |
| Provision for loan losses | 6,000 | 19,000 | 34,000 | 51,000 |
| Pretax income | 1,845,000 | 3,607,000 | 5,527,000 | 7,517,000 |
| Income tax | 336,000 | 602,000 | 944,000 | 1,777,000 |
| Net income | 1,509,000 | 3,005,000 | 4,583,000 | 5,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,897,000 | 85,414,000 | 84,254,000 | 79,351,000 |
| Total capital | 94,335,000 | 93,093,000 | 91,925,000 | 86,909,000 |
| Risk-weighted assets | 673,161,000 | 670,237,000 | 691,368,000 | 709,470,000 |