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 | 302,380,000 | 293,988,000 | 308,096,000 | 300,783,000 |
| Total loans | 173,482,000 | 168,175,000 | 166,839,000 | 171,163,000 |
| Allowance for loan losses | 3,308,000 | 3,306,000 | 3,311,000 | 3,312,000 |
| Securities available for sale | 107,684,000 | 105,268,000 | 112,670,000 | 110,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,028,000 | 257,909,000 | 274,376,000 | 263,981,000 |
| Interest-bearing deposits | 192,650,000 | 185,247,000 | 205,521,000 | 203,206,000 |
| Noninterest-bearing deposits | 71,378,000 | 72,662,000 | 68,855,000 | 60,775,000 |
| Equity capital | 36,637,000 | 34,801,000 | 32,235,000 | 35,401,000 |
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 | 2,572,000 | 5,075,000 | 7,709,000 | 10,864,000 |
| Interest expense | 261,000 | 528,000 | 985,000 | 1,726,000 |
| Net interest income | 2,311,000 | 4,547,000 | 6,724,000 | 9,138,000 |
| Noninterest income | 363,000 | 734,000 | 1,086,000 | 1,924,000 |
| Noninterest expense | 1,712,000 | 3,389,000 | 5,130,000 | 6,530,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 962,000 | 1,892,000 | 2,710,000 | 4,562,000 |
| Income tax | 145,000 | 315,000 | 445,000 | 795,000 |
| Net income | 817,000 | 1,577,000 | 2,265,000 | 3,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,787,000 | 41,047,000 | 41,735,000 | 42,787,000 |
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