Call reports 2022
CITIZENS BANK OF ELDON — 2022
What CITIZENS BANK OF ELDON 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 | 205,439,000 | 206,735,000 | 206,868,000 | 203,223,000 |
| Total loans | 132,683,000 | 133,608,000 | 136,078,000 | 140,358,000 |
| Allowance for loan losses | 1,834,000 | 1,766,000 | 1,832,000 | 1,880,000 |
| Securities available for sale | 44,207,000 | 43,526,000 | 42,816,000 | 43,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,742,000 | 185,299,000 | 185,988,000 | 181,944,000 |
| Interest-bearing deposits | 121,009,000 | 118,717,000 | 117,483,000 | 117,568,000 |
| Noninterest-bearing deposits | 62,733,000 | 66,582,000 | 68,505,000 | 64,376,000 |
| Equity capital | 19,971,000 | 19,598,000 | 19,057,000 | 19,501,000 |
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 | 1,731,000 | 3,496,000 | 5,363,000 | 7,300,000 |
| Interest expense | 101,000 | 195,000 | 290,000 | 441,000 |
| Net interest income | 1,630,000 | 3,301,000 | 5,073,000 | 6,859,000 |
| Noninterest income | 150,000 | 344,000 | 617,000 | 870,000 |
| Noninterest expense | 1,123,000 | 2,260,000 | 3,381,000 | 4,503,000 |
| Provision for loan losses | 5,000 | 2,000 | 105,000 | 207,000 |
| Pretax income | 652,000 | 1,383,000 | 2,204,000 | 3,019,000 |
| Income tax | 179,000 | 350,000 | 539,000 | 771,000 |
| Net income | 473,000 | 1,033,000 | 1,665,000 | 2,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,086,000 | 22,237,000 | 22,462,000 | 22,603,000 |