Call reports 2008
CITIZENS TRI-COUNTY BANK — 2008
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 482,786,000 | 481,736,000 | 477,359,000 | 485,938,000 |
| Total loans | 308,419,000 | 306,535,000 | 314,044,000 | 325,676,000 |
| Allowance for loan losses | 3,682,000 | 3,801,000 | 3,962,000 | 4,368,000 |
| Securities available for sale | 95,046,000 | 107,543,000 | 111,047,000 | 109,583,000 |
| Securities held to maturity | 729,000 | 730,000 | 728,000 | 727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,845,000 | 433,061,000 | 423,124,000 | 428,857,000 |
| Interest-bearing deposits | 368,436,000 | 367,351,000 | 362,442,000 | 370,336,000 |
| Noninterest-bearing deposits | 63,408,000 | 65,710,000 | 60,682,000 | 58,521,000 |
| Equity capital | 45,284,000 | 42,876,000 | 42,632,000 | 44,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,148,000 | 16,134,000 | 24,062,000 | 31,999,000 |
| Interest expense | 3,148,000 | 6,115,000 | 8,966,000 | 11,663,000 |
| Net interest income | 5,000,000 | 10,019,000 | 15,096,000 | 20,336,000 |
| Noninterest income | 1,734,000 | 3,486,000 | 5,330,000 | 7,044,000 |
| Noninterest expense | 3,763,000 | 7,712,000 | 11,616,000 | 15,304,000 |
| Provision for loan losses | 445,000 | 1,635,000 | 2,166,000 | 2,931,000 |
| Pretax income | 2,526,000 | 4,158,000 | 6,644,000 | 9,145,000 |
| Income tax | 179,000 | 291,000 | 463,000 | 634,000 |
| Net income | 2,347,000 | 3,867,000 | 6,181,000 | 8,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,142,000 | 37,028,000 | 37,707,000 | 38,402,000 |
| Total capital | 40,824,000 | 40,829,000 | 41,669,000 | 42,770,000 |
| Risk-weighted assets | 337,063,000 | 337,477,000 | 340,602,000 | 351,172,000 |