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 | 555,156,000 | 539,397,000 | 539,942,000 | 530,554,000 |
| Total loans | 225,598,000 | 234,672,000 | 251,844,000 | 250,352,000 |
| Allowance for loan losses | 4,207,000 | 4,226,000 | 4,293,000 | 4,436,000 |
| Securities available for sale | 149,498,000 | 158,631,000 | 153,910,000 | 153,184,000 |
| Securities held to maturity | 29,322,000 | 28,427,000 | 27,816,000 | 27,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,608,000 | 489,170,000 | 490,288,000 | 480,820,000 |
| Interest-bearing deposits | 351,993,000 | 369,453,000 | 357,683,000 | 357,148,000 |
| Noninterest-bearing deposits | 143,615,000 | 119,717,000 | 132,605,000 | 123,672,000 |
| Equity capital | 53,202,000 | 48,782,000 | 47,974,000 | 48,255,000 |
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 | 3,690,000 | 7,677,000 | 12,318,000 | 17,428,000 |
| Interest expense | 215,000 | 425,000 | 690,000 | 1,438,000 |
| Net interest income | 3,475,000 | 7,252,000 | 11,628,000 | 15,990,000 |
| Noninterest income | 698,000 | 1,415,000 | 2,155,000 | 2,855,000 |
| Noninterest expense | 2,299,000 | 4,571,000 | 6,883,000 | 9,262,000 |
| Provision for loan losses | 30,000 | 80,000 | 180,000 | 370,000 |
| Pretax income | 1,844,000 | 4,016,000 | 6,720,000 | 9,213,000 |
| Income tax | 399,000 | 881,000 | 1,496,000 | 2,006,000 |
| Net income | 1,445,000 | 3,135,000 | 5,224,000 | 7,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,529,000 | 57,018,000 | 59,108,000 | 58,590,000 |