Call reports 2023
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2023
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 274,286,000 | 265,744,000 | 262,808,000 | 268,979,000 |
| Total loans | 77,239,000 | 81,193,000 | 87,057,000 | 91,752,000 |
| Allowance for loan losses | 888,000 | 997,000 | 1,014,000 | 1,078,000 |
| Securities available for sale | 176,235,000 | 165,865,000 | 154,351,000 | 155,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,511,000 | 242,813,000 | 240,432,000 | 234,785,000 |
| Interest-bearing deposits | 167,499,000 | 159,235,000 | 153,983,000 | 152,101,000 |
| Noninterest-bearing deposits | 82,012,000 | 83,578,000 | 86,449,000 | 82,684,000 |
| Equity capital | 23,826,000 | 21,574,000 | 16,930,000 | 24,148,000 |
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 | 2,210,000 | 4,427,000 | 6,711,000 | 9,077,000 |
| Interest expense | 114,000 | 295,000 | 534,000 | 917,000 |
| Net interest income | 2,096,000 | 4,132,000 | 6,177,000 | 8,160,000 |
| Noninterest income | 255,000 | 515,000 | 783,000 | 1,052,000 |
| Noninterest expense | 1,337,000 | 2,729,000 | 4,032,000 | 5,477,000 |
| Provision for loan losses | 32,000 | 149,000 | 139,000 | 165,000 |
| Pretax income | 996,000 | 1,765,000 | 2,789,000 | 3,535,000 |
| Income tax | 120,000 | 185,000 | 321,000 | 388,000 |
| Net income | 876,000 | 1,580,000 | 2,468,000 | 3,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,369,000 | 38,113,000 | 39,001,000 | 38,720,000 |