Call reports 2022
CITIZENS COMMERCE BANK — 2022
What CITIZENS COMMERCE 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 | 323,607,000 | 335,904,000 | 353,844,000 | 336,115,000 |
| Total loans | 238,022,000 | 255,301,000 | 262,214,000 | 266,835,000 |
| Allowance for loan losses | 2,933,000 | 3,142,000 | 3,166,000 | 3,173,000 |
| Securities available for sale | 28,817,000 | 16,745,000 | 19,922,000 | 19,465,000 |
| Securities held to maturity | 20,167,000 | 29,842,000 | 28,774,000 | 25,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,615,000 | 293,313,000 | 318,825,000 | 302,302,000 |
| Interest-bearing deposits | 228,008,000 | 233,646,000 | 261,201,000 | 243,969,000 |
| Noninterest-bearing deposits | 57,607,000 | 59,668,000 | 57,624,000 | 58,333,000 |
| Equity capital | 32,181,000 | 32,597,000 | 32,932,000 | 32,072,000 |
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 | 2,709,000 | 5,607,000 | 8,793,000 | 12,324,000 |
| Interest expense | 173,000 | 351,000 | 687,000 | 1,147,000 |
| Net interest income | 2,536,000 | 5,256,000 | 8,106,000 | 11,177,000 |
| Noninterest income | 462,000 | 875,000 | 1,268,000 | 1,636,000 |
| Noninterest expense | 2,025,000 | 4,069,000 | 6,165,000 | 8,253,000 |
| Provision for loan losses | 59,000 | 97,000 | 116,000 | 116,000 |
| Pretax income | 914,000 | 1,965,000 | 3,093,000 | 4,444,000 |
| Income tax | 222,000 | 479,000 | 754,000 | 1,087,000 |
| Net income | 692,000 | 1,486,000 | 2,339,000 | 3,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,806,000 | 34,574,000 | 35,249,000 | 36,036,000 |