Call reports 2023
CITIZENS TRI-COUNTY BANK — 2023
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,272,555,000 | 1,274,346,000 | 1,290,984,000 | 1,329,473,000 |
| Total loans | 801,724,000 | 834,559,000 | 864,975,000 | 879,219,000 |
| Allowance for loan losses | 21,500,000 | 21,215,000 | 21,122,000 | 18,093,000 |
| Securities available for sale | 273,368,000 | 262,034,000 | 251,658,000 | 252,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,170,074,000 | 1,166,606,000 | 1,183,600,000 | 1,216,165,000 |
| Interest-bearing deposits | 897,345,000 | 893,670,000 | 914,852,000 | 946,066,000 |
| Noninterest-bearing deposits | 272,729,000 | 272,936,000 | 268,748,000 | 270,099,000 |
| Equity capital | 93,192,000 | 96,561,000 | 94,701,000 | 101,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 14,504,000 | 30,602,000 | 47,569,000 | 65,843,000 |
| Interest expense | 4,419,000 | 10,339,000 | 17,130,000 | 24,656,000 |
| Net interest income | 10,085,000 | 20,263,000 | 30,439,000 | 41,187,000 |
| Noninterest income | 1,867,000 | 3,797,000 | 5,905,000 | 8,200,000 |
| Noninterest expense | 6,799,000 | 14,841,000 | 25,556,000 | 31,776,000 |
| Provision for loan losses | -420,000 | -651,000 | -468,000 | 948,000 |
| Pretax income | 5,073,000 | 9,870,000 | 11,263,000 | 16,670,000 |
| Income tax | 3,000 | 12,000 | 24,000 | 40,000 |
| Net income | 5,070,000 | 9,858,000 | 11,239,000 | 16,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,303,000 | 123,126,000 | 124,542,000 | 124,156,000 |