Call reports 2022
CITIZENS BANK & TRUST COMPANY — 2022
What CITIZENS BANK & 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 | 134,551,000 | 139,555,000 | 137,389,000 | 141,955,000 |
| Total loans | 56,839,000 | 64,113,000 | 63,493,000 | 62,055,000 |
| Allowance for loan losses | 1,778,000 | 1,646,000 | 1,646,000 | 1,654,000 |
| Securities available for sale | 50,261,000 | 50,624,000 | 48,274,000 | 48,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,275,000 | 127,648,000 | 126,102,000 | 129,678,000 |
| Interest-bearing deposits | 70,499,000 | 74,923,000 | 71,043,000 | 76,206,000 |
| Noninterest-bearing deposits | 51,776,000 | 52,725,000 | 55,059,000 | 53,472,000 |
| Equity capital | 11,882,000 | 11,566,000 | 10,931,000 | 11,635,000 |
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 | 937,000 | 1,962,000 | 3,053,000 | 4,208,000 |
| Interest expense | 28,000 | 52,000 | 100,000 | 201,000 |
| Net interest income | 909,000 | 1,910,000 | 2,953,000 | 4,007,000 |
| Noninterest income | 82,000 | 167,000 | 252,000 | 339,000 |
| Noninterest expense | 711,000 | 1,365,000 | 2,000,000 | 2,844,000 |
| Provision for loan losses | 0 | -130,000 | -130,000 | -130,000 |
| Pretax income | 280,000 | 840,000 | 1,333,000 | 1,630,000 |
| Income tax | 66,000 | 160,000 | 256,000 | 409,000 |
| Net income | 214,000 | 680,000 | 1,077,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,949,000 | 12,414,000 | 12,811,000 | 12,956,000 |
| Total capital | 12,757,000 | 13,328,000 | 13,777,000 | 13,881,000 |
| Risk-weighted assets | 63,732,000 | 72,392,000 | 76,658,000 | 73,298,000 |