Call reports 2017
CITIZENS TRI-COUNTY BANK — 2017
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 820,907,000 | 816,388,000 | 827,030,000 | 826,312,000 |
| Total loans | 443,326,000 | 465,588,000 | 481,687,000 | 495,052,000 |
| Allowance for loan losses | 6,310,000 | 6,425,000 | 6,936,000 | 7,320,000 |
| Securities available for sale | 263,748,000 | 272,131,000 | 258,945,000 | 247,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 732,761,000 | 725,914,000 | 725,890,000 | 733,695,000 |
| Interest-bearing deposits | 594,245,000 | 582,877,000 | 585,880,000 | 586,357,000 |
| Noninterest-bearing deposits | 138,516,000 | 143,037,000 | 140,011,000 | 147,338,000 |
| Equity capital | 82,638,000 | 83,890,000 | 84,963,000 | 81,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,840,000 | 17,876,000 | 26,924,000 | 36,110,000 |
| Interest expense | 844,000 | 1,709,000 | 2,614,000 | 3,606,000 |
| Net interest income | 7,996,000 | 16,167,000 | 24,310,000 | 32,504,000 |
| Noninterest income | 1,462,000 | 2,721,000 | 4,493,000 | 6,338,000 |
| Noninterest expense | 5,325,000 | 10,833,000 | 16,325,000 | 22,366,000 |
| Provision for loan losses | 1,021,000 | 1,401,000 | 2,090,000 | 2,651,000 |
| Pretax income | 3,112,000 | 6,687,000 | 10,433,000 | 13,870,000 |
| Income tax | 197,000 | 409,000 | 662,000 | 866,000 |
| Net income | 2,915,000 | 6,278,000 | 9,771,000 | 13,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,809,000 | 75,204,000 | 76,730,000 | 74,996,000 |
| Total capital | 80,810,000 | 80,379,000 | 82,101,000 | 80,466,000 |
| Risk-weighted assets | 398,782,000 | 412,748,000 | 428,083,000 | 435,738,000 |