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 | 245,275,000 | 235,020,000 | 242,249,000 | 242,687,000 |
| Total loans | 119,569,000 | 122,777,000 | 126,976,000 | 124,217,000 |
| Allowance for loan losses | 1,609,000 | 1,687,000 | 1,687,000 | 1,694,000 |
| Securities available for sale | 71,167,000 | 80,033,000 | 83,439,000 | 82,577,000 |
| Securities held to maturity | 16,397,000 | 14,666,000 | 12,309,000 | 11,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,421,000 | 202,004,000 | 199,077,000 | 197,451,000 |
| Interest-bearing deposits | 119,337,000 | 120,033,000 | 126,700,000 | 119,733,000 |
| Noninterest-bearing deposits | 86,084,000 | 81,971,000 | 72,377,000 | 77,718,000 |
| Equity capital | 23,233,000 | 20,099,000 | 19,166,000 | 20,104,000 |
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 | 1,895,000 | 3,938,000 | 6,106,000 | 8,398,000 |
| Interest expense | 293,000 | 586,000 | 937,000 | 1,619,000 |
| Net interest income | 1,602,000 | 3,352,000 | 5,169,000 | 6,779,000 |
| Noninterest income | 159,000 | 275,000 | 558,000 | 683,000 |
| Noninterest expense | 1,113,000 | 2,262,000 | 3,630,000 | 4,824,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 648,000 | 1,365,000 | 2,097,000 | 2,638,000 |
| Income tax | 121,000 | 249,000 | 335,000 | 376,000 |
| Net income | 527,000 | 1,116,000 | 1,762,000 | 2,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,609,000 | 26,897,000 | 27,243,000 | 27,443,000 |