Call reports 2022
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2022
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 283,957,000 | 279,222,000 | 273,162,000 | 275,314,000 |
| Total loans | 72,246,000 | 72,939,000 | 72,412,000 | 73,906,000 |
| Allowance for loan losses | 708,000 | 727,000 | 738,000 | 728,000 |
| Securities available for sale | 187,913,000 | 180,524,000 | 176,989,000 | 179,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,357,000 | 257,025,000 | 255,787,000 | 253,702,000 |
| Interest-bearing deposits | 174,319,000 | 175,611,000 | 171,912,000 | 170,724,000 |
| Noninterest-bearing deposits | 79,038,000 | 81,414,000 | 83,875,000 | 82,978,000 |
| Equity capital | 30,016,000 | 21,618,000 | 16,581,000 | 20,896,000 |
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 | 1,853,000 | 3,925,000 | 6,141,000 | 8,533,000 |
| Interest expense | 86,000 | 174,000 | 262,000 | 351,000 |
| Net interest income | 1,767,000 | 3,751,000 | 5,879,000 | 8,182,000 |
| Noninterest income | 261,000 | 540,000 | 819,000 | 1,081,000 |
| Noninterest expense | 1,248,000 | 2,597,000 | 3,851,000 | 5,227,000 |
| Provision for loan losses | -20,000 | -150,000 | -150,000 | -135,000 |
| Pretax income | 826,000 | 1,887,000 | 3,048,000 | 4,031,000 |
| Income tax | 81,000 | 216,000 | 372,000 | 418,000 |
| Net income | 745,000 | 1,671,000 | 2,676,000 | 3,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,760,000 | 36,726,000 | 37,732,000 | 37,709,000 |