Call reports 2023
CITIZENS BANK OF THE SOUTH — 2023
What CITIZENS BANK OF THE SOUTH 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 | 321,162,000 | 320,157,000 | 305,396,000 | 310,585,000 |
| Total loans | 203,902,000 | 210,854,000 | 220,817,000 | 229,329,000 |
| Allowance for loan losses | 2,919,000 | 3,131,000 | 3,159,000 | 3,283,000 |
| Securities available for sale | 48,450,000 | 49,311,000 | 49,458,000 | 50,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,334,000 | 283,881,000 | 267,453,000 | 271,412,000 |
| Interest-bearing deposits | 167,451,000 | 165,672,000 | 151,070,000 | 154,290,000 |
| Noninterest-bearing deposits | 118,883,000 | 118,209,000 | 116,383,000 | 117,122,000 |
| Equity capital | 34,373,000 | 35,431,000 | 36,679,000 | 38,387,000 |
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 | 3,755,000 | 7,836,000 | 11,921,000 | 16,087,000 |
| Interest expense | 305,000 | 717,000 | 1,204,000 | 1,816,000 |
| Net interest income | 3,450,000 | 7,119,000 | 10,717,000 | 14,271,000 |
| Noninterest income | 316,000 | 630,000 | 961,000 | 1,301,000 |
| Noninterest expense | 2,445,000 | 4,917,000 | 7,395,000 | 9,730,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 265,000 |
| Pretax income | 1,276,000 | 2,742,000 | 4,163,000 | 5,577,000 |
| Income tax | 308,000 | 655,000 | 971,000 | 1,236,000 |
| Net income | 968,000 | 2,087,000 | 3,192,000 | 4,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,311,000 | 37,430,000 | 38,535,000 | 39,684,000 |
| Total capital | 38,709,000 | 39,880,000 | 41,050,000 | 42,252,000 |
| Risk-weighted assets | 191,385,000 | 195,343,000 | 200,628,000 | 204,760,000 |
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