Call reports 2011
CITIZENS TRI-COUNTY BANK — 2011
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 520,974,000 | 520,371,000 | 568,108,000 | 568,463,000 |
| Total loans | 305,265,000 | 298,910,000 | 312,533,000 | 309,779,000 |
| Allowance for loan losses | 7,306,000 | 7,298,000 | 6,200,000 | 6,471,000 |
| Securities available for sale | 126,697,000 | 129,464,000 | 145,901,000 | 160,539,000 |
| Securities held to maturity | 584,000 | 10,000 | 9,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,789,000 | 461,514,000 | 502,154,000 | 503,370,000 |
| Interest-bearing deposits | 400,321,000 | 396,311,000 | 430,227,000 | 432,273,000 |
| Noninterest-bearing deposits | 64,468,000 | 65,203,000 | 71,927,000 | 71,097,000 |
| Equity capital | 52,472,000 | 54,459,000 | 61,527,000 | 61,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,546,000 | 12,969,000 | 19,803,000 | 27,012,000 |
| Interest expense | 1,478,000 | 2,864,000 | 4,271,000 | 5,618,000 |
| Net interest income | 5,068,000 | 10,105,000 | 15,532,000 | 21,394,000 |
| Noninterest income | 706,000 | 1,560,000 | 2,870,000 | 3,675,000 |
| Noninterest expense | 3,931,000 | 7,970,000 | 12,188,000 | 16,893,000 |
| Provision for loan losses | 761,000 | 1,493,000 | 3,173,000 | 4,335,000 |
| Pretax income | 1,082,000 | 2,202,000 | 3,041,000 | 3,841,000 |
| Income tax | 66,000 | 133,000 | 165,000 | 230,000 |
| Net income | 1,016,000 | 2,069,000 | 2,876,000 | 3,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,511,000 | 45,977,000 | 51,065,000 | 50,894,000 |
| Total capital | 49,883,000 | 50,280,000 | 55,604,000 | 55,170,000 |
| Risk-weighted assets | 346,827,000 | 341,223,000 | 361,487,000 | 339,882,000 |