Call reports 2022
CITIZENS TRUST BANK — 2022
What CITIZENS TRUST 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 | 680,998,000 | 832,852,000 | 812,605,000 | 806,801,000 |
| Total loans | 315,646,000 | 317,610,000 | 336,447,000 | 340,855,000 |
| Allowance for loan losses | 3,031,000 | 3,069,000 | 3,055,000 | 2,986,000 |
| Securities available for sale | 110,234,000 | 126,974,000 | 173,376,000 | 177,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 616,846,000 | 766,194,000 | 744,378,000 | 730,609,000 |
| Interest-bearing deposits | 367,177,000 | 429,672,000 | 400,556,000 | 375,952,000 |
| Noninterest-bearing deposits | 249,669,000 | 336,522,000 | 343,822,000 | 354,657,000 |
| Equity capital | 53,019,000 | 56,283,000 | 58,797,000 | 62,827,000 |
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 | 4,039,000 | 8,899,000 | 15,773,000 | 24,356,000 |
| Interest expense | 121,000 | 249,000 | 441,000 | 634,000 |
| Net interest income | 3,918,000 | 8,650,000 | 15,332,000 | 23,722,000 |
| Noninterest income | 1,171,000 | 4,277,000 | 5,473,000 | 6,629,000 |
| Noninterest expense | 4,041,000 | 8,460,000 | 12,813,000 | 17,251,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 998,000 | 4,367,000 | 7,892,000 | 13,000,000 |
| Income tax | 219,000 | 961,000 | 1,762,000 | 3,120,000 |
| Net income | 779,000 | 3,406,000 | 6,130,000 | 9,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,015,000 | 63,335,000 | 71,059,000 | 74,808,000 |
| Total capital | 60,046,000 | 66,404,000 | 74,114,000 | 77,794,000 |
| Risk-weighted assets | 354,669,000 | 359,921,000 | 381,468,000 | 386,614,000 |