Call reports 2024
CITIZENS BANK & TRUST — 2024
What CITIZENS BANK & 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 | 116,457,000 | 111,896,000 | 102,670,000 | 110,434,000 |
| Total loans | 47,399,000 | 48,757,000 | 49,681,000 | 53,059,000 |
| Allowance for loan losses | 541,000 | 540,000 | 537,000 | 576,000 |
| Securities available for sale | 58,066,000 | 55,314,000 | 47,748,000 | 46,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,573,000 | 100,941,000 | 89,709,000 | 97,836,000 |
| Interest-bearing deposits | 83,085,000 | 78,112,000 | 67,988,000 | 76,205,000 |
| Noninterest-bearing deposits | 23,488,000 | 22,829,000 | 21,721,000 | 21,631,000 |
| Equity capital | 8,599,000 | 8,820,000 | 10,322,000 | 9,609,000 |
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 | 1,273,000 | 2,478,000 | 3,617,000 | 4,724,000 |
| Interest expense | 389,000 | 792,000 | 1,151,000 | 1,450,000 |
| Net interest income | 884,000 | 1,686,000 | 2,466,000 | 3,274,000 |
| Noninterest income | 86,000 | 188,000 | 293,000 | 390,000 |
| Noninterest expense | 658,000 | 1,316,000 | 1,945,000 | 2,568,000 |
| Provision for loan losses | 0 | 0 | 0 | 76,000 |
| Pretax income | 311,000 | 552,000 | 807,000 | 1,016,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 552,000 | 807,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,617,000 | 12,759,000 | 12,913,000 | 12,822,000 |