Call reports 2024
CITIZENS TRUST BANK — 2024
What CITIZENS TRUST 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 | 734,795,000 | 757,018,000 | 769,635,000 | 793,469,000 |
| Total loans | 394,462,000 | 401,070,000 | 407,356,000 | 408,066,000 |
| Allowance for loan losses | 4,697,000 | 4,701,000 | 4,669,000 | 4,688,000 |
| Securities available for sale | 206,325,000 | 205,797,000 | 246,325,000 | 258,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 641,929,000 | 661,674,000 | 672,193,000 | 695,349,000 |
| Interest-bearing deposits | 322,405,000 | 357,410,000 | 373,845,000 | 371,370,000 |
| Noninterest-bearing deposits | 319,524,000 | 304,264,000 | 298,348,000 | 323,979,000 |
| Equity capital | 79,802,000 | 77,749,000 | 85,551,000 | 85,812,000 |
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 | 9,651,000 | 19,868,000 | 30,108,000 | 40,022,000 |
| Interest expense | 862,000 | 1,909,000 | 3,382,000 | 5,106,000 |
| Net interest income | 8,789,000 | 17,959,000 | 26,726,000 | 34,916,000 |
| Noninterest income | 1,080,000 | 2,171,000 | 3,276,000 | 4,765,000 |
| Noninterest expense | 4,571,000 | 9,313,000 | 13,918,000 | 18,310,000 |
| Provision for loan losses | 220,000 | 248,000 | 366,000 | 528,000 |
| Pretax income | 5,078,000 | 10,569,000 | 15,718,000 | 20,843,000 |
| Income tax | 1,168,000 | 2,431,000 | 3,615,000 | 4,794,000 |
| Net income | 3,910,000 | 8,138,000 | 12,103,000 | 16,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,042,000 | 88,098,000 | 92,063,000 | 96,009,000 |
| Total capital | 95,145,000 | 93,205,000 | 97,139,000 | 101,104,000 |
| Risk-weighted assets | 440,813,000 | 450,706,000 | 471,566,000 | 477,778,000 |