Call reports 2022
CITIZENS BANK & TRUST — 2022
What CITIZENS BANK & 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 | 121,921,000 | 117,072,000 | 112,242,000 | 118,287,000 |
| Total loans | 47,185,000 | 50,699,000 | 50,174,000 | 53,632,000 |
| Allowance for loan losses | 464,000 | 464,000 | 463,000 | 455,000 |
| Securities available for sale | 58,305,000 | 56,421,000 | 53,210,000 | 55,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,483,000 | 106,435,000 | 102,889,000 | 108,697,000 |
| Interest-bearing deposits | 83,305,000 | 78,798,000 | 77,862,000 | 83,996,000 |
| Noninterest-bearing deposits | 27,178,000 | 27,637,000 | 25,027,000 | 24,701,000 |
| Equity capital | 9,389,000 | 7,954,000 | 6,145,000 | 7,024,000 |
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 | 767,000 | 1,619,000 | 2,521,000 | 3,445,000 |
| Interest expense | 51,000 | 114,000 | 209,000 | 337,000 |
| Net interest income | 716,000 | 1,505,000 | 2,312,000 | 3,108,000 |
| Noninterest income | 86,000 | 184,000 | 284,000 | 370,000 |
| Noninterest expense | 645,000 | 1,299,000 | 1,947,000 | 2,532,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 386,000 | 645,000 | 942,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | 386,000 | 645,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,098,000 | 12,227,000 | 12,385,000 | 12,383,000 |