Call reports 2018
CITIZENS TRI-COUNTY BANK — 2018
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 853,997,000 | 842,092,000 | 842,119,000 | 854,314,000 |
| Total loans | 509,689,000 | 526,691,000 | 538,275,000 | 554,423,000 |
| Allowance for loan losses | 7,435,000 | 7,852,000 | 7,900,000 | 8,382,000 |
| Securities available for sale | 238,396,000 | 222,313,000 | 213,960,000 | 206,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,157,000 | 749,359,000 | 745,617,000 | 753,648,000 |
| Interest-bearing deposits | 612,858,000 | 600,608,000 | 596,056,000 | 600,102,000 |
| Noninterest-bearing deposits | 152,299,000 | 148,751,000 | 149,561,000 | 153,546,000 |
| Equity capital | 82,854,000 | 86,484,000 | 89,643,000 | 94,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,188,000 | 18,939,000 | 28,787,000 | 39,020,000 |
| Interest expense | 1,223,000 | 2,551,000 | 4,075,000 | 5,915,000 |
| Net interest income | 7,965,000 | 16,388,000 | 24,712,000 | 33,105,000 |
| Noninterest income | 1,687,000 | 3,338,000 | 5,141,000 | 6,982,000 |
| Noninterest expense | 5,442,000 | 10,907,000 | 16,581,000 | 22,452,000 |
| Provision for loan losses | 402,000 | 785,000 | 975,000 | 1,850,000 |
| Pretax income | 3,830,000 | 8,082,000 | 12,371,000 | 15,859,000 |
| Income tax | 239,000 | 507,000 | 783,000 | 772,000 |
| Net income | 3,591,000 | 7,575,000 | 11,588,000 | 15,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,376,000 | 81,401,000 | 85,455,000 | 88,996,000 |
| Total capital | 82,991,000 | 87,045,000 | 91,184,000 | 94,845,000 |
| Risk-weighted assets | 447,375,000 | 449,297,000 | 456,138,000 | 465,392,000 |