Call reports 2024
CITIZENS BANK AND TRUST — 2024
What CITIZENS BANK AND TRUST 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 | 1,313,139,000 | 1,338,732,000 | 1,363,784,000 | 1,348,118,000 |
| Total loans | 719,388,000 | 750,277,000 | 764,376,000 | 784,056,000 |
| Allowance for loan losses | 7,290,000 | 7,670,000 | 7,852,000 | 8,040,000 |
| Securities available for sale | 543,586,000 | 536,625,000 | 549,398,000 | 517,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,273,147,000 | 1,298,300,000 | 1,276,527,000 | 1,301,832,000 |
| Interest-bearing deposits | 817,379,000 | 836,307,000 | 832,874,000 | 847,889,000 |
| Noninterest-bearing deposits | 455,768,000 | 461,993,000 | 443,653,000 | 453,943,000 |
| Equity capital | 13,748,000 | 15,143,000 | 35,614,000 | 24,207,000 |
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 | 13,074,000 | 26,489,000 | 40,434,000 | 54,840,000 |
| Interest expense | 5,186,000 | 10,540,000 | 16,314,000 | 21,675,000 |
| Net interest income | 7,888,000 | 15,949,000 | 24,120,000 | 33,165,000 |
| Noninterest income | 2,456,000 | 4,888,000 | 7,468,000 | 9,894,000 |
| Noninterest expense | 8,381,000 | 16,611,000 | 24,992,000 | 33,010,000 |
| Provision for loan losses | -97,000 | 367,000 | 683,000 | 1,082,000 |
| Pretax income | 2,164,000 | 3,926,000 | 5,962,000 | 9,059,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,164,000 | 3,926,000 | 5,962,000 | 9,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,951,000 | 104,949,000 | 106,227,000 | 108,100,000 |
| Total capital | 111,553,000 | 112,967,000 | 114,445,000 | 116,463,000 |
| Risk-weighted assets | 849,160,000 | 877,356,000 | 885,418,000 | 894,784,000 |