Call reports 2020
CITIZENS TRI-COUNTY BANK — 2020
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 951,049,000 | 1,009,193,000 | 1,019,599,000 | 1,061,996,000 |
| Total loans | 577,109,000 | 603,251,000 | 631,067,000 | 639,117,000 |
| Allowance for loan losses | 8,709,000 | 8,828,000 | 9,157,000 | 9,295,000 |
| Securities available for sale | 200,703,000 | 209,308,000 | 209,208,000 | 218,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 850,213,000 | 899,144,000 | 906,024,000 | 949,641,000 |
| Interest-bearing deposits | 684,117,000 | 693,395,000 | 695,454,000 | 715,961,000 |
| Noninterest-bearing deposits | 166,096,000 | 205,749,000 | 210,571,000 | 233,679,000 |
| Equity capital | 93,154,000 | 101,928,000 | 105,152,000 | 105,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,189,000 | 19,676,000 | 29,896,000 | 40,185,000 |
| Interest expense | 2,056,000 | 3,671,000 | 5,143,000 | 6,450,000 |
| Net interest income | 8,133,000 | 16,005,000 | 24,753,000 | 33,735,000 |
| Noninterest income | 1,958,000 | 3,804,000 | 5,922,000 | 8,060,000 |
| Noninterest expense | 6,314,000 | 12,302,000 | 18,370,000 | 24,948,000 |
| Provision for loan losses | 44,000 | 264,000 | 741,000 | 1,279,000 |
| Pretax income | 3,732,000 | 7,236,000 | 11,555,000 | 15,562,000 |
| Income tax | 175,000 | 247,000 | 230,000 | -3,000 |
| Net income | 3,557,000 | 6,989,000 | 11,325,000 | 15,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,125,000 | 90,598,000 | 93,474,000 | 93,756,000 |