Call reports 2024
CITIZENS ALLIANCE BANK — 2024
What CITIZENS ALLIANCE BANK 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 | 1,543,241,000 | 1,555,850,000 | 1,509,693,000 | 1,535,975,000 |
| Total loans | 929,370,000 | 941,369,000 | 943,061,000 | 951,732,000 |
| Allowance for loan losses | 10,445,000 | 10,090,000 | 9,716,000 | 10,277,000 |
| Securities available for sale | 352,201,000 | 343,704,000 | 344,223,000 | 327,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,318,025,000 | 1,327,095,000 | 1,310,850,000 | 1,341,875,000 |
| Interest-bearing deposits | 713,045,000 | 763,416,000 | 750,665,000 | 728,253,000 |
| Noninterest-bearing deposits | 604,980,000 | 563,679,000 | 560,185,000 | 613,622,000 |
| Equity capital | 116,112,000 | 119,765,000 | 127,733,000 | 125,075,000 |
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 | 19,483,000 | 39,377,000 | 59,605,000 | 79,247,000 |
| Interest expense | 6,032,000 | 13,441,000 | 20,999,000 | 27,474,000 |
| Net interest income | 13,451,000 | 25,936,000 | 38,606,000 | 51,773,000 |
| Noninterest income | 1,996,000 | 3,488,000 | 5,098,000 | 6,707,000 |
| Noninterest expense | 10,117,000 | 19,716,000 | 29,749,000 | 41,019,000 |
| Provision for loan losses | -213,000 | -442,000 | -470,000 | 103,000 |
| Pretax income | 5,536,000 | 10,074,000 | 14,361,000 | 17,302,000 |
| Income tax | 1,322,000 | 2,717,000 | 3,636,000 | 4,364,000 |
| Net income | 4,214,000 | 7,357,000 | 10,725,000 | 12,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,793,000 | 124,241,000 | 126,160,000 | 128,885,000 |
| Total capital | 131,304,000 | 134,404,000 | 135,955,000 | 139,245,000 |
| Risk-weighted assets | 1,031,784,000 | 1,042,502,000 | 1,043,600,000 | 1,055,718,000 |