Call reports 2024
CITIZENS BANK OF ELDON — 2024
What CITIZENS BANK OF ELDON 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 | 222,737,000 | 220,051,000 | 224,048,000 | 227,332,000 |
| Total loans | 160,067,000 | 165,200,000 | 170,126,000 | 169,087,000 |
| Allowance for loan losses | 2,154,000 | 2,186,000 | 2,194,000 | 2,288,000 |
| Securities available for sale | 35,674,000 | 33,451,000 | 32,433,000 | 30,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,323,000 | 187,962,000 | 190,877,000 | 198,017,000 |
| Interest-bearing deposits | 125,072,000 | 126,628,000 | 130,796,000 | 133,022,000 |
| Noninterest-bearing deposits | 62,251,000 | 61,334,000 | 60,081,000 | 64,995,000 |
| Equity capital | 21,891,000 | 22,514,000 | 23,473,000 | 23,524,000 |
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 | 2,805,000 | 5,668,000 | 8,708,000 | 11,837,000 |
| Interest expense | 710,000 | 1,385,000 | 2,150,000 | 2,936,000 |
| Net interest income | 2,095,000 | 4,283,000 | 6,558,000 | 8,901,000 |
| Noninterest income | 284,000 | 565,000 | 856,000 | 1,145,000 |
| Noninterest expense | 1,279,000 | 2,625,000 | 3,868,000 | 5,213,000 |
| Provision for loan losses | 209,000 | 261,000 | 472,000 | 576,000 |
| Pretax income | 891,000 | 1,862,000 | 2,974,000 | 4,157,000 |
| Income tax | 202,000 | 429,000 | 683,000 | 960,000 |
| Net income | 689,000 | 1,433,000 | 2,291,000 | 3,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,691,000 | 24,028,000 | 24,425,000 | 24,492,000 |