Call reports 2022
CITIZENS BANK OF CLOVIS, THE — 2022
What CITIZENS BANK OF CLOVIS, THE 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 | 450,962,000 | 431,737,000 | 434,628,000 | 446,182,000 |
| Total loans | 222,715,000 | 235,534,000 | 241,145,000 | 260,883,000 |
| Allowance for loan losses | 2,069,000 | 2,069,000 | 2,070,000 | 3,071,000 |
| Securities available for sale | 179,482,000 | 164,033,000 | 155,950,000 | 152,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,338,000 | 392,079,000 | 389,235,000 | 387,972,000 |
| Interest-bearing deposits | 284,047,000 | 275,848,000 | 280,554,000 | 279,150,000 |
| Noninterest-bearing deposits | 116,291,000 | 116,231,000 | 108,681,000 | 108,822,000 |
| Equity capital | 39,649,000 | 28,100,000 | 28,326,000 | 27,333,000 |
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 | 3,313,000 | 6,893,000 | 11,237,000 | 15,978,000 |
| Interest expense | 378,000 | 758,000 | 1,361,000 | 2,084,000 |
| Net interest income | 2,935,000 | 6,135,000 | 9,876,000 | 13,894,000 |
| Noninterest income | 277,000 | 535,000 | 737,000 | 912,000 |
| Noninterest expense | 1,688,000 | 3,170,000 | 4,910,000 | 6,777,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 1,100,000 |
| Pretax income | 1,524,000 | 3,500,000 | 5,603,000 | 6,929,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,524,000 | 3,500,000 | 5,603,000 | 6,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,701,000 | 49,408,000 | 50,641,000 | 51,967,000 |
| Total capital | — | — | 52,711,000 | 55,038,000 |
| Risk-weighted assets | — | — | 320,998,000 | 347,686,000 |
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