Call reports 2023
CITIZENS BANK AND TRUST — 2023
What CITIZENS BANK AND TRUST 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 | 1,329,359,000 | 1,300,269,000 | 1,288,984,000 | 1,332,697,000 |
| Total loans | 647,495,000 | 686,709,000 | 700,151,000 | 720,112,000 |
| Allowance for loan losses | 6,848,000 | 7,171,000 | 7,188,000 | 7,490,000 |
| Securities available for sale | 584,323,000 | 564,500,000 | 539,533,000 | 556,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,237,086,000 | 1,245,419,000 | 1,229,772,000 | 1,259,737,000 |
| Interest-bearing deposits | 746,300,000 | 758,637,000 | 768,496,000 | 785,321,000 |
| Noninterest-bearing deposits | 490,786,000 | 486,782,000 | 461,276,000 | 474,416,000 |
| Equity capital | 18,513,000 | 6,482,000 | -11,029,000 | 16,490,000 |
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 | 11,181,000 | 22,792,000 | 35,067,000 | 47,713,000 |
| Interest expense | 2,767,000 | 6,137,000 | 10,439,000 | 15,242,000 |
| Net interest income | 8,414,000 | 16,655,000 | 24,628,000 | 32,471,000 |
| Noninterest income | 2,314,000 | 4,696,000 | 7,029,000 | 9,408,000 |
| Noninterest expense | 7,881,000 | 15,842,000 | 24,045,000 | 31,656,000 |
| Provision for loan losses | 17,000 | 404,000 | 469,000 | 824,000 |
| Pretax income | 2,816,000 | 5,232,000 | 7,362,000 | 9,750,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,816,000 | 5,232,000 | 7,362,000 | 9,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,989,000 | 100,286,000 | 101,368,000 | 102,836,000 |
| Total capital | 106,607,000 | 108,093,000 | 109,099,000 | 110,737,000 |
| Risk-weighted assets | 800,704,000 | 831,418,000 | 814,132,000 | 853,231,000 |