Call reports 2023
CITIZENS ALLIANCE BANK — 2023
What CITIZENS ALLIANCE BANK 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 | 1,271,949,000 | 1,402,234,000 | 1,466,288,000 | 1,617,348,000 |
| Total loans | 779,897,000 | 879,539,000 | 909,647,000 | 965,505,000 |
| Allowance for loan losses | 8,313,000 | 9,029,000 | 9,936,000 | 10,660,000 |
| Securities available for sale | 347,249,000 | 354,075,000 | 340,704,000 | 361,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,062,454,000 | 1,182,618,000 | 1,257,104,000 | 1,421,233,000 |
| Interest-bearing deposits | 492,970,000 | 617,101,000 | 651,006,000 | 659,442,000 |
| Noninterest-bearing deposits | 569,484,000 | 565,517,000 | 606,098,000 | 761,791,000 |
| Equity capital | 103,485,000 | 103,566,000 | 101,693,000 | 113,511,000 |
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 | 13,615,000 | 28,713,000 | 45,963,000 | 64,816,000 |
| Interest expense | 2,454,000 | 7,271,000 | 13,256,000 | 19,261,000 |
| Net interest income | 11,161,000 | 21,442,000 | 32,707,000 | 45,555,000 |
| Noninterest income | 1,436,000 | 2,798,000 | 4,745,000 | 6,206,000 |
| Noninterest expense | 8,656,000 | 17,678,000 | 26,710,000 | 37,222,000 |
| Provision for loan losses | -267,000 | 420,000 | 684,000 | 1,399,000 |
| Pretax income | 4,210,000 | 6,154,000 | 10,054,000 | 13,204,000 |
| Income tax | 1,247,000 | 1,265,000 | 2,286,000 | 2,938,000 |
| Net income | 2,963,000 | 4,889,000 | 7,768,000 | 10,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,223,000 | 109,473,000 | 112,812,000 | 115,962,000 |
| Total capital | 122,631,000 | 118,607,000 | 122,861,000 | 126,690,000 |
| Risk-weighted assets | 908,433,000 | 1,003,883,000 | 1,042,572,000 | 1,071,162,000 |