Call reports 2023
CITIZENS BANK AND TRUST COMPANY — 2023
What CITIZENS BANK AND TRUST COMPANY 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 | 119,702,000 | 107,662,000 | 106,506,000 | 108,966,000 |
| Total loans | 57,313,000 | 62,700,000 | 62,822,000 | 54,642,000 |
| Allowance for loan losses | 1,877,000 | 1,798,000 | 1,804,000 | 2,009,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,515,000 | 25,106,000 | 20,119,000 | 19,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,167,000 | 87,800,000 | 84,138,000 | 86,585,000 |
| Interest-bearing deposits | 62,622,000 | 57,548,000 | 53,708,000 | 57,907,000 |
| Noninterest-bearing deposits | 34,545,000 | 30,252,000 | 30,430,000 | 28,678,000 |
| Equity capital | 11,279,000 | 11,512,000 | 12,937,000 | 13,326,000 |
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 | 1,313,000 | 2,693,000 | 4,080,000 | 5,442,000 |
| Interest expense | 248,000 | 518,000 | 801,000 | 1,131,000 |
| Net interest income | 1,065,000 | 2,175,000 | 3,279,000 | 4,311,000 |
| Noninterest income | 247,000 | 427,000 | 2,375,000 | 3,002,000 |
| Noninterest expense | 1,014,000 | 2,064,000 | 3,691,000 | 4,953,000 |
| Provision for loan losses | 4,000 | 10,000 | 10,000 | 19,000 |
| Pretax income | 294,000 | 528,000 | 1,953,000 | 2,341,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 294,000 | 528,000 | 1,953,000 | 2,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,279,000 | 11,512,000 | 12,937,000 | 13,325,000 |
| Total capital | 12,227,000 | 12,511,000 | 13,926,000 | 14,247,000 |
| Risk-weighted assets | 74,960,000 | 79,100,000 | 78,313,000 | 72,682,000 |