Call reports 2016
CITIZENS TRI-COUNTY BANK — 2016
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 720,513,000 | 717,093,000 | 792,264,000 | 793,220,000 |
| Total loans | 354,208,000 | 363,501,000 | 420,545,000 | 444,815,000 |
| Allowance for loan losses | 5,226,000 | 5,289,000 | 5,246,000 | 5,356,000 |
| Securities available for sale | 250,357,000 | 256,999,000 | 253,743,000 | 252,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,030,000 | 635,575,000 | 702,014,000 | 708,992,000 |
| Interest-bearing deposits | 534,052,000 | 527,238,000 | 568,251,000 | 576,761,000 |
| Noninterest-bearing deposits | 107,978,000 | 108,337,000 | 133,763,000 | 132,231,000 |
| Equity capital | 73,210,000 | 76,093,000 | 84,392,000 | 78,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,354,000 | 15,042,000 | 23,261,000 | 31,731,000 |
| Interest expense | 790,000 | 1,590,000 | 2,430,000 | 3,307,000 |
| Net interest income | 6,564,000 | 13,452,000 | 20,831,000 | 28,424,000 |
| Noninterest income | 1,344,000 | 2,768,000 | 4,207,000 | 6,985,000 |
| Noninterest expense | 4,727,000 | 9,924,000 | 15,994,000 | 21,850,000 |
| Provision for loan losses | 286,000 | 619,000 | 781,000 | 1,184,000 |
| Pretax income | 2,914,000 | 5,723,000 | 8,309,000 | 12,421,000 |
| Income tax | 172,000 | 337,000 | 516,000 | 722,000 |
| Net income | 2,742,000 | 5,386,000 | 7,793,000 | 11,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,489,000 | 65,665,000 | 74,055,000 | 73,147,000 |
| Total capital | 68,798,000 | 70,047,000 | 78,931,000 | 78,113,000 |
| Risk-weighted assets | 343,790,000 | 349,686,000 | 389,713,000 | 396,856,000 |