Call reports 2023
CITIZENS BANK OF ELDON — 2023
What CITIZENS BANK OF ELDON 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 | 208,203,000 | 213,747,000 | 213,795,000 | 221,393,000 |
| Total loans | 147,730,000 | 151,830,000 | 152,818,000 | 156,885,000 |
| Allowance for loan losses | 1,830,000 | 1,837,000 | 1,838,000 | 2,075,000 |
| Securities available for sale | 43,296,000 | 41,157,000 | 39,778,000 | 38,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,929,000 | 184,434,000 | 179,972,000 | 186,669,000 |
| Interest-bearing deposits | 120,798,000 | 118,547,000 | 117,947,000 | 119,629,000 |
| Noninterest-bearing deposits | 60,131,000 | 65,887,000 | 62,025,000 | 67,040,000 |
| Equity capital | 20,165,000 | 20,197,000 | 20,556,000 | 21,467,000 |
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 | 2,017,000 | 4,259,000 | 6,740,000 | 9,370,000 |
| Interest expense | 275,000 | 734,000 | 1,312,000 | 1,943,000 |
| Net interest income | 1,742,000 | 3,525,000 | 5,428,000 | 7,427,000 |
| Noninterest income | 233,000 | 481,000 | 743,000 | 1,153,000 |
| Noninterest expense | 1,212,000 | 2,418,000 | 3,652,000 | 4,902,000 |
| Provision for loan losses | 102,000 | 200,000 | 205,000 | 462,000 |
| Pretax income | 661,000 | 1,363,000 | 2,289,000 | 3,176,000 |
| Income tax | 157,000 | 321,000 | 535,000 | 745,000 |
| Net income | 504,000 | 1,042,000 | 1,754,000 | 2,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,761,000 | 22,892,000 | 23,143,000 | 23,348,000 |