Call reports 2016
CITIZENS BANK AND TRUST COMPANY — 2016
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 906,314,000 | 896,951,000 | 920,534,000 | 920,030,000 |
| Total loans | 601,844,000 | 613,035,000 | 641,288,000 | 636,826,000 |
| Allowance for loan losses | 7,516,000 | 7,558,000 | 7,603,000 | 7,654,000 |
| Securities available for sale | 209,907,000 | 190,471,000 | 185,626,000 | 187,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 671,791,000 | 650,456,000 | 658,018,000 | 683,646,000 |
| Interest-bearing deposits | 559,044,000 | 530,257,000 | 536,646,000 | 559,264,000 |
| Noninterest-bearing deposits | 112,747,000 | 120,199,000 | 121,372,000 | 124,382,000 |
| Equity capital | 92,301,000 | 90,671,000 | 88,900,000 | 87,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,375,000 | 14,786,000 | 22,463,000 | 29,954,000 |
| Interest expense | 775,000 | 1,566,000 | 2,397,000 | 3,258,000 |
| Net interest income | 6,600,000 | 13,220,000 | 20,066,000 | 26,696,000 |
| Noninterest income | 1,746,000 | 3,708,000 | 5,714,000 | 7,709,000 |
| Noninterest expense | 6,389,000 | 13,321,000 | 20,080,000 | 27,045,000 |
| Provision for loan losses | 12,000 | 45,000 | 135,000 | 170,000 |
| Pretax income | 2,321,000 | 4,522,000 | 6,525,000 | 8,150,000 |
| Income tax | 800,000 | 1,558,000 | 2,244,000 | 2,778,000 |
| Net income | 1,521,000 | 2,964,000 | 4,281,000 | 5,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,859,000 | 80,464,000 | 79,317,000 | 80,844,000 |
| Total capital | 87,883,000 | 86,431,000 | 85,247,000 | 87,213,000 |
| Risk-weighted assets | 693,187,000 | 702,555,000 | 718,168,000 | 723,188,000 |