Call reports 2018
CITIZENS BANK AND TRUST COMPANY — 2018
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 867,974,000 | 890,234,000 | 813,795,000 | 831,688,000 |
| Total loans | 592,342,000 | 615,829,000 | 594,947,000 | 609,387,000 |
| Allowance for loan losses | 7,680,000 | 7,643,000 | 7,648,000 | 7,485,000 |
| Securities available for sale | 196,696,000 | 194,407,000 | 146,675,000 | 148,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 688,759,000 | 668,263,000 | 686,740,000 | 666,355,000 |
| Interest-bearing deposits | 574,819,000 | 547,176,000 | 563,015,000 | 542,710,000 |
| Noninterest-bearing deposits | 113,940,000 | 121,087,000 | 123,725,000 | 123,645,000 |
| Equity capital | 88,059,000 | 88,849,000 | 90,362,000 | 93,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,752,000 | 15,862,000 | 24,204,000 | 32,568,000 |
| Interest expense | 1,292,000 | 2,879,000 | 4,438,000 | 5,884,000 |
| Net interest income | 6,460,000 | 12,983,000 | 19,766,000 | 26,684,000 |
| Noninterest income | 2,055,000 | 4,256,000 | 6,550,000 | 8,728,000 |
| Noninterest expense | 6,611,000 | 13,335,000 | 19,919,000 | 26,370,000 |
| Provision for loan losses | 29,000 | 52,000 | 80,000 | 107,000 |
| Pretax income | 1,905,000 | 3,882,000 | 5,809,000 | 8,422,000 |
| Income tax | 453,000 | 927,000 | 1,097,000 | 1,660,000 |
| Net income | 1,452,000 | 2,955,000 | 4,712,000 | 6,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,374,000 | 88,249,000 | 90,369,000 | 93,204,000 |
| Total capital | 94,054,000 | 95,892,000 | 98,016,000 | 100,689,000 |
| Risk-weighted assets | 681,795,000 | 712,686,000 | 681,536,000 | 697,552,000 |