Call reports 2022
CITIZENS BANK AND TRUST, INC. — 2022
What CITIZENS BANK AND TRUST, INC. 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 | 136,760,000 | 136,470,000 | 134,723,000 | 131,130,000 |
| Total loans | 65,734,000 | 65,445,000 | 69,309,000 | 70,063,000 |
| Allowance for loan losses | 1,055,000 | 1,076,000 | 1,135,000 | 1,146,000 |
| Securities available for sale | 24,250,000 | 23,676,000 | 24,183,000 | 24,678,000 |
| Securities held to maturity | 11,705,000 | 11,147,000 | 10,933,000 | 10,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,163,000 | 124,650,000 | 123,002,000 | 118,720,000 |
| Interest-bearing deposits | 99,361,000 | 98,986,000 | 96,028,000 | 93,371,000 |
| Noninterest-bearing deposits | 24,802,000 | 25,664,000 | 26,974,000 | 25,349,000 |
| Equity capital | 11,821,000 | 11,122,000 | 10,989,000 | 11,001,000 |
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 | 1,163,000 | 2,419,000 | 3,837,000 | 5,332,000 |
| Interest expense | 59,000 | 115,000 | 169,000 | 230,000 |
| Net interest income | 1,104,000 | 2,304,000 | 3,668,000 | 5,102,000 |
| Noninterest income | 273,000 | 531,000 | 808,000 | 1,071,000 |
| Noninterest expense | 965,000 | 2,008,000 | 3,010,000 | 3,990,000 |
| Provision for loan losses | 8,000 | 31,000 | 94,000 | 127,000 |
| Pretax income | 404,000 | 796,000 | 1,372,000 | 2,056,000 |
| Income tax | 94,000 | 202,000 | 330,000 | 459,000 |
| Net income | 310,000 | 594,000 | 1,042,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,010,000 | 13,294,000 | 13,741,000 | 13,497,000 |
| Total capital | 13,795,000 | 14,093,000 | 14,586,000 | 14,344,000 |
| Risk-weighted assets | 62,493,000 | 63,710,000 | 67,297,000 | 67,491,000 |