Call reports 2024
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2024
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 266,209,000 | 265,262,000 | 263,258,000 | 261,080,000 |
| Total loans | 97,712,000 | 100,835,000 | 102,777,000 | 102,860,000 |
| Allowance for loan losses | 1,115,000 | 1,162,000 | 1,159,000 | 1,171,000 |
| Securities available for sale | 145,267,000 | 140,182,000 | 140,012,000 | 132,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,399,000 | 235,089,000 | 230,622,000 | 236,374,000 |
| Interest-bearing deposits | 154,635,000 | 153,195,000 | 148,722,000 | 154,570,000 |
| Noninterest-bearing deposits | 80,764,000 | 81,894,000 | 81,900,000 | 81,804,000 |
| Equity capital | 23,650,000 | 22,995,000 | 27,524,000 | 23,353,000 |
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 | 2,545,000 | 5,052,000 | 7,604,000 | 10,186,000 |
| Interest expense | 365,000 | 754,000 | 1,177,000 | 1,613,000 |
| Net interest income | 2,180,000 | 4,298,000 | 6,427,000 | 8,573,000 |
| Noninterest income | 257,000 | 527,000 | 821,000 | 1,332,000 |
| Noninterest expense | 1,387,000 | 2,967,000 | 4,350,000 | 5,938,000 |
| Provision for loan losses | 36,000 | 86,000 | 123,000 | 152,000 |
| Pretax income | 1,092,000 | 1,818,000 | 2,849,000 | 3,848,000 |
| Income tax | 178,000 | 262,000 | 452,000 | 617,000 |
| Net income | 914,000 | 1,556,000 | 2,397,000 | 3,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,634,000 | 39,316,000 | 40,157,000 | 40,032,000 |