Call reports 2022
CITIZENS BANK AND TRUST COMPANY — 2022
What CITIZENS BANK AND 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 | 133,770,000 | 131,038,000 | 121,498,000 | 123,708,000 |
| Total loans | 64,586,000 | 68,410,000 | 70,445,000 | 59,179,000 |
| Allowance for loan losses | 2,305,000 | 1,901,000 | 1,886,000 | 1,881,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 46,893,000 | 30,175,000 | 26,437,000 | 24,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,291,000 | 109,871,000 | 99,326,000 | 101,515,000 |
| Interest-bearing deposits | 76,315,000 | 73,245,000 | 61,395,000 | 63,175,000 |
| Noninterest-bearing deposits | 37,976,000 | 36,626,000 | 37,931,000 | 38,340,000 |
| Equity capital | 8,198,000 | 9,863,000 | 10,766,000 | 10,984,000 |
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 | 849,000 | 1,983,000 | 3,061,000 | 4,255,000 |
| Interest expense | 92,000 | 185,000 | 274,000 | 382,000 |
| Net interest income | 757,000 | 1,798,000 | 2,787,000 | 3,873,000 |
| Noninterest income | 161,000 | 289,000 | 1,284,000 | 1,460,000 |
| Noninterest expense | 952,000 | 1,956,000 | 3,034,000 | 4,070,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 10,000 |
| Pretax income | -34,000 | 131,000 | 1,034,000 | 1,253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -34,000 | 131,000 | 1,034,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,198,000 | 9,863,000 | 10,766,000 | 10,984,000 |
| Total capital | 8,712,000 | 10,968,000 | 11,909,000 | 11,979,000 |
| Risk-weighted assets | 88,818,000 | 87,671,000 | 90,691,000 | 78,703,000 |