Call reports 2012
CITIZENS TRI-COUNTY BANK — 2012
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 594,834,000 | 597,164,000 | 582,332,000 | 592,674,000 |
| Total loans | 301,701,000 | 297,643,000 | 288,432,000 | 289,100,000 |
| Allowance for loan losses | 7,548,000 | 7,386,000 | 6,336,000 | 6,336,000 |
| Securities available for sale | 165,263,000 | 184,889,000 | 191,870,000 | 207,978,000 |
| Securities held to maturity | 8,000 | 8,000 | 7,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 529,528,000 | 529,619,000 | 513,719,000 | 525,231,000 |
| Interest-bearing deposits | 455,776,000 | 453,260,000 | 442,070,000 | 449,907,000 |
| Noninterest-bearing deposits | 73,752,000 | 76,359,000 | 71,649,000 | 75,324,000 |
| Equity capital | 61,579,000 | 63,284,000 | 63,940,000 | 63,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,733,000 | 13,468,000 | 20,326,000 | 27,864,000 |
| Interest expense | 1,280,000 | 2,487,000 | 3,600,000 | 4,638,000 |
| Net interest income | 5,453,000 | 10,981,000 | 16,726,000 | 23,226,000 |
| Noninterest income | 1,237,000 | 2,227,000 | 3,380,000 | 4,260,000 |
| Noninterest expense | 4,249,000 | 8,573,000 | 12,649,000 | 17,176,000 |
| Provision for loan losses | 1,164,000 | 1,965,000 | 3,414,000 | 4,176,000 |
| Pretax income | 1,565,000 | 2,958,000 | 4,344,000 | 6,459,000 |
| Income tax | 75,000 | 161,000 | 244,000 | 387,000 |
| Net income | 1,490,000 | 2,797,000 | 4,100,000 | 6,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,455,000 | 52,934,000 | 53,459,000 | 52,753,000 |
| Total capital | 56,669,000 | 57,060,000 | 57,515,000 | 56,836,000 |
| Risk-weighted assets | 333,743,000 | 326,829,000 | 322,179,000 | 324,366,000 |