Call reports 2023
CITIZENS TRUST BANK — 2023
What CITIZENS TRUST 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 | 745,463,000 | 725,770,000 | 697,442,000 | 741,413,000 |
| Total loans | 354,136,000 | 368,722,000 | 370,922,000 | 372,769,000 |
| Allowance for loan losses | 4,115,000 | 4,254,000 | 4,308,000 | 4,569,000 |
| Securities available for sale | 180,712,000 | 194,331,000 | 182,407,000 | 199,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 666,556,000 | 649,193,000 | 617,416,000 | 652,308,000 |
| Interest-bearing deposits | 316,640,000 | 313,676,000 | 305,381,000 | 312,503,000 |
| Noninterest-bearing deposits | 349,916,000 | 335,517,000 | 312,035,000 | 339,805,000 |
| Equity capital | 66,557,000 | 65,770,000 | 68,114,000 | 76,694,000 |
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 | 8,769,000 | 17,939,000 | 27,042,000 | 36,410,000 |
| Interest expense | 204,000 | 503,000 | 1,173,000 | 1,974,000 |
| Net interest income | 8,565,000 | 17,436,000 | 25,869,000 | 34,436,000 |
| Noninterest income | 1,077,000 | 2,200,000 | 3,838,000 | 5,576,000 |
| Noninterest expense | 4,918,000 | 9,881,000 | 14,503,000 | 19,295,000 |
| Provision for loan losses | 47,000 | 249,000 | 370,000 | 670,000 |
| Pretax income | 4,677,000 | 9,506,000 | 14,834,000 | 20,039,000 |
| Income tax | 1,076,000 | 2,186,000 | 3,412,000 | 4,610,000 |
| Net income | 3,601,000 | 7,320,000 | 11,422,000 | 15,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,875,000 | 78,023,000 | 82,125,000 | 86,132,000 |
| Total capital | 81,386,000 | 82,675,000 | 86,831,000 | 91,107,000 |
| Risk-weighted assets | 403,612,000 | 422,273,000 | 423,231,000 | 421,757,000 |