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 | 989,905,000 | 964,979,000 | 1,042,441,000 | 989,626,000 |
| Total loans | 447,325,000 | 468,878,000 | 504,954,000 | 518,106,000 |
| Allowance for loan losses | 7,852,000 | 7,832,000 | 7,928,000 | 7,917,000 |
| Securities available for sale | 444,914,000 | 406,912,000 | 350,141,000 | 347,308,000 |
| Securities held to maturity | 0 | 0 | 40,900,000 | 40,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 840,880,000 | 841,915,000 | 927,666,000 | 902,126,000 |
| Interest-bearing deposits | 629,496,000 | 625,891,000 | 703,981,000 | 681,707,000 |
| Noninterest-bearing deposits | 211,384,000 | 216,024,000 | 223,685,000 | 220,419,000 |
| Equity capital | 66,111,000 | 46,060,000 | 44,815,000 | 48,115,000 |
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 | 6,809,000 | 14,128,000 | 21,886,000 | 30,410,000 |
| Interest expense | 560,000 | 1,285,000 | 2,398,000 | 4,510,000 |
| Net interest income | 6,249,000 | 12,843,000 | 19,488,000 | 25,900,000 |
| Noninterest income | 882,000 | 2,246,000 | 3,392,000 | 4,575,000 |
| Noninterest expense | 5,125,000 | 10,172,000 | 15,477,000 | 20,921,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,006,000 | 4,917,000 | 7,403,000 | 9,454,000 |
| Income tax | 171,000 | 597,000 | 909,000 | 1,224,000 |
| Net income | 1,835,000 | 4,320,000 | 6,494,000 | 8,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,925,000 | 91,062,000 | 93,217,000 | 92,986,000 |
| Total capital | 96,029,000 | 98,765,000 | 101,145,000 | 100,903,000 |
| Risk-weighted assets | 567,591,000 | 616,145,000 | 652,942,000 | 668,154,000 |