Call reports 2015
CITIZENS TRI-COUNTY BANK — 2015
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 659,960,000 | 652,650,000 | 655,991,000 | 692,255,000 |
| Total loans | 308,801,000 | 316,785,000 | 330,415,000 | 349,862,000 |
| Allowance for loan losses | 4,797,000 | 4,784,000 | 4,905,000 | 5,268,000 |
| Securities available for sale | 245,453,000 | 239,247,000 | 238,215,000 | 243,866,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,583,000 | 579,926,000 | 578,703,000 | 617,879,000 |
| Interest-bearing deposits | 496,892,000 | 485,049,000 | 483,271,000 | 510,107,000 |
| Noninterest-bearing deposits | 90,691,000 | 94,877,000 | 95,432,000 | 107,772,000 |
| Equity capital | 67,328,000 | 67,582,000 | 71,707,000 | 69,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,495,000 | 13,441,000 | 20,337,000 | 27,578,000 |
| Interest expense | 782,000 | 1,569,000 | 2,330,000 | 3,093,000 |
| Net interest income | 5,713,000 | 11,872,000 | 18,007,000 | 24,485,000 |
| Noninterest income | 1,210,000 | 2,741,000 | 4,109,000 | 5,676,000 |
| Noninterest expense | 4,401,000 | 8,742,000 | 13,131,000 | 18,252,000 |
| Provision for loan losses | 233,000 | 406,000 | 738,000 | 1,282,000 |
| Pretax income | 2,298,000 | 5,474,000 | 8,274,000 | 10,678,000 |
| Income tax | 143,000 | 337,000 | 514,000 | 674,000 |
| Net income | 2,155,000 | 5,137,000 | 7,760,000 | 10,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,643,000 | 61,650,000 | 64,297,000 | 61,806,000 |
| Total capital | 63,327,000 | 66,354,000 | 69,123,000 | 66,013,000 |
| Risk-weighted assets | 374,644,000 | 376,277,000 | 386,039,000 | 335,475,000 |