Call reports 2024
CITIZENS TRI-COUNTY BANK — 2024
What CITIZENS TRI-COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,389,931,000 | 1,419,615,000 | 1,457,170,000 | 1,484,933,000 |
| Total loans | 894,035,000 | 894,944,000 | 924,101,000 | 940,329,000 |
| Allowance for loan losses | 18,054,000 | 18,037,000 | 17,871,000 | 17,798,000 |
| Securities available for sale | 244,869,000 | 229,535,000 | 227,406,000 | 211,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,271,401,000 | 1,292,409,000 | 1,319,574,000 | 1,352,781,000 |
| Interest-bearing deposits | 1,007,411,000 | 1,022,677,000 | 1,053,480,000 | 1,083,426,000 |
| Noninterest-bearing deposits | 263,990,000 | 269,732,000 | 266,094,000 | 269,355,000 |
| Equity capital | 105,541,000 | 112,631,000 | 122,191,000 | 117,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 18,866,000 | 39,420,000 | 60,662,000 | 82,572,000 |
| Interest expense | 8,188,000 | 16,924,000 | 26,062,000 | 35,052,000 |
| Net interest income | 10,678,000 | 22,496,000 | 34,600,000 | 47,520,000 |
| Noninterest income | 1,976,000 | 4,025,000 | 6,110,000 | 8,117,000 |
| Noninterest expense | 7,535,000 | 15,088,000 | 22,764,000 | 30,794,000 |
| Provision for loan losses | -1,000 | 126,000 | 183,000 | 196,000 |
| Pretax income | 5,120,000 | 11,304,000 | 17,757,000 | 24,645,000 |
| Income tax | 4,000 | 13,000 | 26,000 | 46,000 |
| Net income | 5,116,000 | 11,291,000 | 17,731,000 | 24,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,744,000 | 132,953,000 | 136,428,000 | 135,831,000 |