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 | 172,655,000 | 175,881,000 | 172,032,000 | 169,833,000 |
| Total loans | 119,465,000 | 121,977,000 | 132,917,000 | 136,749,000 |
| Allowance for loan losses | 1,192,000 | 1,192,000 | 1,192,000 | 1,452,000 |
| Securities available for sale | 24,469,000 | 23,715,000 | 22,489,000 | 22,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,469,000 | 160,793,000 | 157,137,000 | 154,905,000 |
| Interest-bearing deposits | 100,200,000 | 100,618,000 | 97,215,000 | 97,723,000 |
| Noninterest-bearing deposits | 57,269,000 | 60,175,000 | 59,922,000 | 57,182,000 |
| Equity capital | 13,783,000 | 13,595,000 | 13,178,000 | 13,685,000 |
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 | 1,710,000 | 3,443,000 | 5,332,000 | 7,349,000 |
| Interest expense | 130,000 | 259,000 | 410,000 | 666,000 |
| Net interest income | 1,580,000 | 3,184,000 | 4,922,000 | 6,683,000 |
| Noninterest income | 111,000 | 221,000 | 349,000 | 481,000 |
| Noninterest expense | 1,060,000 | 2,145,000 | 3,299,000 | 4,492,000 |
| Provision for loan losses | 0 | 65,000 | 65,000 | 315,000 |
| Pretax income | 579,000 | 1,071,000 | 1,749,000 | 2,227,000 |
| Income tax | 126,000 | 233,000 | 382,000 | 453,000 |
| Net income | 453,000 | 838,000 | 1,367,000 | 1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,692,000 | 16,077,000 | 16,606,000 | 16,863,000 |