Call reports 2022
CITIZENS BANK AND TRUST — 2022
What CITIZENS BANK AND TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,265,143,000 | 1,292,093,000 | 1,257,945,000 | 1,324,883,000 |
| Total loans | 512,400,000 | 540,865,000 | 561,655,000 | 626,902,000 |
| Allowance for loan losses | 5,550,000 | 5,524,000 | 5,638,000 | 6,798,000 |
| Securities available for sale | 671,632,000 | 703,362,000 | 651,679,000 | 646,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,171,094,000 | 1,178,262,000 | 1,194,617,000 | 1,210,016,000 |
| Interest-bearing deposits | 693,347,000 | 693,628,000 | 702,071,000 | 732,410,000 |
| Noninterest-bearing deposits | 477,747,000 | 484,634,000 | 492,546,000 | 477,606,000 |
| Equity capital | 54,796,000 | 28,411,000 | -3,004,000 | 3,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,245,000 | 16,964,000 | 26,889,000 | 37,722,000 |
| Interest expense | 313,000 | 783,000 | 1,759,000 | 3,926,000 |
| Net interest income | 7,932,000 | 16,181,000 | 25,130,000 | 33,796,000 |
| Noninterest income | 2,256,000 | 4,949,000 | 7,073,000 | 9,252,000 |
| Noninterest expense | 7,128,000 | 14,479,000 | 22,313,000 | 29,648,000 |
| Provision for loan losses | 16,000 | 58,000 | 203,000 | 1,379,000 |
| Pretax income | 3,044,000 | 6,490,000 | 9,584,000 | 11,918,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,044,000 | 6,490,000 | 9,584,000 | 11,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,321,000 | 94,613,000 | 96,325,000 | 98,364,000 |
| Total capital | 97,871,000 | 100,137,000 | 101,963,000 | 105,162,000 |
| Risk-weighted assets | 663,241,000 | 713,581,000 | 739,610,000 | 801,332,000 |