Call reports 2022
CITIZENS TRI-COUNTY BANK — 2022
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,235,523,000 | 1,229,326,000 | 1,239,269,000 | 1,249,213,000 |
| Total loans | 694,450,000 | 726,632,000 | 756,366,000 | 794,781,000 |
| Allowance for loan losses | 10,833,000 | 11,103,000 | 11,184,000 | 11,136,000 |
| Securities available for sale | 293,244,000 | 293,716,000 | 287,671,000 | 283,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,121,103,000 | 1,121,392,000 | 1,129,504,000 | 1,142,427,000 |
| Interest-bearing deposits | 845,380,000 | 845,230,000 | 849,681,000 | 858,443,000 |
| Noninterest-bearing deposits | 275,723,000 | 276,162,000 | 279,823,000 | 283,984,000 |
| Equity capital | 107,060,000 | 99,901,000 | 100,955,000 | 99,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 10,307,000 | 21,493,000 | 33,988,000 | 47,985,000 |
| Interest expense | 998,000 | 2,062,000 | 4,133,000 | 7,560,000 |
| Net interest income | 9,309,000 | 19,431,000 | 29,855,000 | 40,425,000 |
| Noninterest income | 2,141,000 | 4,210,000 | 6,379,000 | 8,322,000 |
| Noninterest expense | 6,324,000 | 12,907,000 | 19,985,000 | 27,506,000 |
| Provision for loan losses | 154,000 | 413,000 | 587,000 | 601,000 |
| Pretax income | 4,972,000 | 10,371,000 | 15,722,000 | 20,700,000 |
| Income tax | 4,000 | 11,000 | 18,000 | 21,000 |
| Net income | 4,968,000 | 10,360,000 | 15,704,000 | 20,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,133,000 | 116,560,000 | 119,939,000 | 115,949,000 |