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 | 446,186,000 | 428,790,000 | 434,542,000 | 434,338,000 |
| Total loans | 247,262,000 | 246,851,000 | 254,616,000 | 265,513,000 |
| Allowance for loan losses | 5,932,000 | 5,996,000 | 5,997,000 | 5,799,000 |
| Securities available for sale | 19,746,000 | 27,430,000 | 32,093,000 | 37,222,000 |
| Securities held to maturity | 18,976,000 | 40,708,000 | 41,635,000 | 46,399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,536,000 | 378,967,000 | 384,294,000 | 384,251,000 |
| Interest-bearing deposits | 241,318,000 | 228,329,000 | 236,815,000 | 247,613,000 |
| Noninterest-bearing deposits | 155,218,000 | 150,638,000 | 147,479,000 | 136,638,000 |
| Equity capital | 42,972,000 | 43,168,000 | 43,363,000 | 44,522,000 |
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 | 3,511,000 | 7,019,000 | 11,205,000 | 15,714,000 |
| Interest expense | 157,000 | 353,000 | 701,000 | 1,188,000 |
| Net interest income | 3,354,000 | 6,666,000 | 10,504,000 | 14,526,000 |
| Noninterest income | 321,000 | 669,000 | 1,045,000 | 1,609,000 |
| Noninterest expense | 2,496,000 | 4,887,000 | 7,349,000 | 10,983,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,029,000 | 2,148,000 | 3,750,000 | 4,552,000 |
| Income tax | 349,000 | 577,000 | 805,000 | 904,000 |
| Net income | 680,000 | 1,571,000 | 2,945,000 | 3,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,597,000 | 44,187,000 | 45,251,000 | 45,953,000 |
| Total capital | 47,008,000 | 47,705,000 | 49,083,000 | 49,795,000 |
| Risk-weighted assets | 270,412,000 | 278,996,000 | 304,468,000 | 305,446,000 |
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