Call reports 2021
CITIZENS BANK AND TRUST COMPANY — 2021
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,034,606,000 | 999,616,000 | 1,009,250,000 | 976,495,000 |
| Total loans | 548,412,000 | 536,749,000 | 513,438,000 | 471,644,000 |
| Allowance for loan losses | 9,114,000 | 8,018,000 | 7,323,000 | 6,296,000 |
| Securities available for sale | 168,854,000 | 153,505,000 | 147,345,000 | 208,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 897,191,000 | 866,147,000 | 877,784,000 | 843,890,000 |
| Interest-bearing deposits | 669,374,000 | 643,461,000 | 639,670,000 | 591,876,000 |
| Noninterest-bearing deposits | 227,817,000 | 222,686,000 | 238,114,000 | 252,014,000 |
| Equity capital | 106,393,000 | 98,242,000 | 99,157,000 | 98,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,599,000 | 13,085,000 | 19,371,000 | 25,366,000 |
| Interest expense | 555,000 | 970,000 | 1,308,000 | 1,602,000 |
| Net interest income | 6,044,000 | 12,115,000 | 18,063,000 | 23,764,000 |
| Noninterest income | 2,712,000 | 5,000,000 | 6,934,000 | 9,105,000 |
| Noninterest expense | 6,479,000 | 13,881,000 | 20,605,000 | 28,049,000 |
| Provision for loan losses | 9,000 | -1,076,000 | -1,927,000 | -2,561,000 |
| Pretax income | 3,217,000 | 6,145,000 | 8,154,000 | 9,216,000 |
| Income tax | 606,000 | 1,251,000 | 1,694,000 | 1,909,000 |
| Net income | 2,611,000 | 4,894,000 | 6,460,000 | 7,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,154,000 | 91,953,000 | 93,534,000 | 94,399,000 |
| Total capital | 108,211,000 | 99,894,000 | 100,857,000 | 100,694,000 |
| Risk-weighted assets | 643,514,000 | 635,303,000 | 618,797,000 | 579,165,000 |