Call reports 2022
CITIZENS BANK AND TRUST COMPANY — 2022
What CITIZENS BANK AND TRUST COMPANY 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 | 569,785,000 | 579,078,000 | 582,035,000 | 573,794,000 |
| Total loans | 206,863,000 | 211,802,000 | 217,900,000 | 224,300,000 |
| Allowance for loan losses | 2,555,000 | 2,401,000 | 2,255,000 | 2,240,000 |
| Securities available for sale | 164,585,000 | 201,260,000 | 220,418,000 | 235,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,995,000 | 518,431,000 | 530,292,000 | 513,159,000 |
| Interest-bearing deposits | 383,903,000 | 386,182,000 | 386,212,000 | 382,554,000 |
| Noninterest-bearing deposits | 121,092,000 | 132,249,000 | 144,080,000 | 130,605,000 |
| Equity capital | 54,442,000 | 52,155,000 | 45,710,000 | 49,460,000 |
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 | 3,679,000 | 7,816,000 | 12,680,000 | 18,190,000 |
| Interest expense | 252,000 | 502,000 | 749,000 | 1,003,000 |
| Net interest income | 3,427,000 | 7,314,000 | 11,931,000 | 17,187,000 |
| Noninterest income | 908,000 | 2,064,000 | 3,143,000 | 4,822,000 |
| Noninterest expense | 2,665,000 | 5,390,000 | 8,338,000 | 11,682,000 |
| Provision for loan losses | -200,000 | -360,000 | -520,000 | -520,000 |
| Pretax income | 1,871,000 | 4,349,000 | 7,257,000 | 10,847,000 |
| Income tax | 365,000 | 853,000 | 1,430,000 | 2,145,000 |
| Net income | 1,506,000 | 3,496,000 | 5,827,000 | 8,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,401,000 | 63,741,000 | 65,172,000 | 67,397,000 |