Call reports 2010
CITIZENS TRI-COUNTY BANK — 2010
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 516,606,000 | 510,596,000 | 501,237,000 | 507,693,000 |
| Total loans | 324,818,000 | 320,789,000 | 315,853,000 | 314,257,000 |
| Allowance for loan losses | 6,818,000 | 7,145,000 | 7,195,000 | 7,250,000 |
| Securities available for sale | 101,164,000 | 105,190,000 | 104,215,000 | 111,632,000 |
| Securities held to maturity | 725,000 | 724,000 | 722,000 | 722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,758,000 | 454,844,000 | 443,810,000 | 452,075,000 |
| Interest-bearing deposits | 401,267,000 | 391,911,000 | 381,978,000 | 390,913,000 |
| Noninterest-bearing deposits | 60,491,000 | 62,933,000 | 61,832,000 | 61,162,000 |
| Equity capital | 50,758,000 | 51,643,000 | 53,496,000 | 51,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,924,000 | 13,910,000 | 20,728,000 | 27,777,000 |
| Interest expense | 1,872,000 | 3,678,000 | 5,401,000 | 7,023,000 |
| Net interest income | 5,052,000 | 10,232,000 | 15,327,000 | 20,754,000 |
| Noninterest income | 1,433,000 | 2,645,000 | 3,557,000 | 4,257,000 |
| Noninterest expense | 4,045,000 | 7,953,000 | 11,973,000 | 16,116,000 |
| Provision for loan losses | 1,020,000 | 2,265,000 | 3,390,000 | 3,937,000 |
| Pretax income | 1,420,000 | 2,659,000 | 3,521,000 | 4,958,000 |
| Income tax | 85,000 | 173,000 | 224,000 | 314,000 |
| Net income | 1,335,000 | 2,486,000 | 3,297,000 | 4,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,124,000 | 43,740,000 | 43,967,000 | 44,879,000 |
| Total capital | 47,577,000 | 48,156,000 | 48,327,000 | 49,300,000 |
| Risk-weighted assets | 353,912,000 | 350,547,000 | 345,943,000 | 350,876,000 |