Call reports 2017
CITIZENS BANK AND TRUST COMPANY — 2017
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 889,805,000 | 854,029,000 | 894,234,000 | 880,168,000 |
| Total loans | 614,258,000 | 582,945,000 | 612,937,000 | 595,774,000 |
| Allowance for loan losses | 7,669,000 | 7,696,000 | 7,685,000 | 7,681,000 |
| Securities available for sale | 178,993,000 | 183,079,000 | 194,190,000 | 197,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 687,841,000 | 663,274,000 | 691,034,000 | 686,785,000 |
| Interest-bearing deposits | 573,415,000 | 550,868,000 | 577,462,000 | 573,547,000 |
| Noninterest-bearing deposits | 114,426,000 | 112,406,000 | 113,572,000 | 113,238,000 |
| Equity capital | 89,303,000 | 91,766,000 | 89,441,000 | 88,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,686,000 | 15,034,000 | 22,809,000 | 30,819,000 |
| Interest expense | 850,000 | 1,747,000 | 2,768,000 | 3,938,000 |
| Net interest income | 6,836,000 | 13,287,000 | 20,041,000 | 26,881,000 |
| Noninterest income | 2,181,000 | 5,129,000 | 7,356,000 | 9,558,000 |
| Noninterest expense | 6,717,000 | 13,553,000 | 20,375,000 | 28,868,000 |
| Provision for loan losses | 29,000 | 54,000 | 85,000 | 120,000 |
| Pretax income | 2,271,000 | 4,809,000 | 6,937,000 | 7,451,000 |
| Income tax | 787,000 | 1,223,000 | 1,966,000 | 3,149,000 |
| Net income | 1,484,000 | 3,586,000 | 4,971,000 | 4,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,380,000 | 86,266,000 | 84,401,000 | 84,566,000 |
| Total capital | 91,049,000 | 93,962,000 | 92,086,000 | 92,247,000 |
| Risk-weighted assets | 697,871,000 | 667,319,000 | 678,598,000 | 674,746,000 |