Call reports 2019
CITIZENS TRI-COUNTY BANK — 2019
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 885,177,000 | 903,808,000 | 907,589,000 | 927,615,000 |
| Total loans | 552,735,000 | 570,925,000 | 574,977,000 | 574,072,000 |
| Allowance for loan losses | 8,372,000 | 8,659,000 | 8,789,000 | 8,776,000 |
| Securities available for sale | 196,742,000 | 199,664,000 | 206,602,000 | 204,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 790,554,000 | 803,886,000 | 803,573,000 | 828,691,000 |
| Interest-bearing deposits | 638,062,000 | 641,033,000 | 640,862,000 | 660,474,000 |
| Noninterest-bearing deposits | 152,492,000 | 162,854,000 | 162,711,000 | 168,217,000 |
| Equity capital | 87,729,000 | 92,164,000 | 95,967,000 | 91,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,226,000 | 21,139,000 | 32,265,000 | 43,270,000 |
| Interest expense | 2,147,000 | 4,551,000 | 6,949,000 | 9,148,000 |
| Net interest income | 8,079,000 | 16,588,000 | 25,316,000 | 34,122,000 |
| Noninterest income | 1,879,000 | 4,961,000 | 6,825,000 | 8,922,000 |
| Noninterest expense | 5,569,000 | 11,510,000 | 18,049,000 | 24,879,000 |
| Provision for loan losses | 181,000 | 656,000 | 1,192,000 | 1,353,000 |
| Pretax income | 4,208,000 | 9,376,000 | 12,893,000 | 16,805,000 |
| Income tax | 262,000 | 595,000 | 423,000 | 439,000 |
| Net income | 3,946,000 | 8,781,000 | 12,470,000 | 16,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,483,000 | 84,359,000 | 88,088,000 | 83,526,000 |
| Total capital | 87,314,000 | 90,339,000 | 94,294,000 | 89,667,000 |
| Risk-weighted assets | 463,972,000 | 475,717,000 | 493,919,000 | 488,631,000 |