Call reports 2022
CITIZENS ALLIANCE BANK — 2022
What CITIZENS ALLIANCE BANK 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 | 1,149,023,000 | 1,176,975,000 | 1,238,084,000 | 1,316,544,000 |
| Total loans | 642,515,000 | 674,200,000 | 693,831,000 | 761,929,000 |
| Allowance for loan losses | 8,317,000 | 8,797,000 | 9,004,000 | 9,418,000 |
| Securities available for sale | 325,924,000 | 328,971,000 | 333,699,000 | 344,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,011,032,000 | 1,040,960,000 | 1,103,902,000 | 1,176,541,000 |
| Interest-bearing deposits | 556,177,000 | 524,581,000 | 533,382,000 | 498,171,000 |
| Noninterest-bearing deposits | 454,855,000 | 516,379,000 | 570,520,000 | 678,370,000 |
| Equity capital | 96,367,000 | 94,407,000 | 92,772,000 | 98,836,000 |
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 | 9,205,000 | 19,146,000 | 30,385,000 | 42,583,000 |
| Interest expense | 526,000 | 1,114,000 | 2,168,000 | 4,203,000 |
| Net interest income | 8,679,000 | 18,032,000 | 28,217,000 | 38,380,000 |
| Noninterest income | 1,714,000 | 2,833,000 | 3,751,000 | 5,049,000 |
| Noninterest expense | 6,119,000 | 12,538,000 | 19,353,000 | 26,754,000 |
| Provision for loan losses | 200,000 | 675,000 | 875,000 | 1,275,000 |
| Pretax income | 4,067,000 | 7,614,000 | 11,714,000 | 15,241,000 |
| Income tax | 966,000 | 1,769,000 | 2,701,000 | 3,536,000 |
| Net income | 3,101,000 | 5,845,000 | 9,013,000 | 11,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,810,000 | 104,307,000 | 107,527,000 | 110,270,000 |
| Total capital | 101,127,000 | 113,104,000 | 116,531,000 | 119,688,000 |
| Risk-weighted assets | 818,274,000 | 863,358,000 | 886,385,000 | 963,385,000 |