Call reports 2019
CITIZENS BANK AND TRUST COMPANY — 2019
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 851,473,000 | 817,499,000 | 907,680,000 | 893,348,000 |
| Total loans | 590,773,000 | 588,845,000 | 609,782,000 | 600,133,000 |
| Allowance for loan losses | 7,438,000 | 7,271,000 | 7,231,000 | 6,566,000 |
| Securities available for sale | 150,101,000 | 147,516,000 | 144,171,000 | 139,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 729,873,000 | 694,615,000 | 784,185,000 | 770,160,000 |
| Interest-bearing deposits | 610,136,000 | 564,244,000 | 636,546,000 | 618,783,000 |
| Noninterest-bearing deposits | 119,737,000 | 130,371,000 | 147,639,000 | 151,377,000 |
| Equity capital | 95,441,000 | 98,985,000 | 100,090,000 | 101,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,799,000 | 17,510,000 | 26,269,000 | 34,865,000 |
| Interest expense | 1,662,000 | 3,402,000 | 5,160,000 | 6,911,000 |
| Net interest income | 7,137,000 | 14,108,000 | 21,109,000 | 27,954,000 |
| Noninterest income | 2,109,000 | 4,341,000 | 6,603,000 | 8,863,000 |
| Noninterest expense | 6,734,000 | 13,544,000 | 20,828,000 | 27,729,000 |
| Provision for loan losses | 26,000 | 56,000 | 90,000 | 120,000 |
| Pretax income | 2,486,000 | 4,907,000 | 7,171,000 | 9,345,000 |
| Income tax | 583,000 | 1,152,000 | 1,680,000 | 2,182,000 |
| Net income | 1,903,000 | 3,755,000 | 5,491,000 | 7,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,261,000 | 96,646,000 | 95,890,000 | 97,335,000 |
| Total capital | 101,699,000 | 103,917,000 | 103,121,000 | 103,901,000 |
| Risk-weighted assets | 693,728,000 | 686,504,000 | 722,193,000 | 708,807,000 |