Call reports 2023
CITIZENS BANK OF CLOVIS, THE — 2023
What CITIZENS BANK OF CLOVIS, THE 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 | 444,670,000 | 458,004,000 | 477,534,000 | 499,896,000 |
| Total loans | 258,937,000 | 267,293,000 | 293,084,000 | 312,467,000 |
| Allowance for loan losses | 3,172,000 | 3,474,000 | 3,675,000 | 3,774,000 |
| Securities available for sale | 148,741,000 | 144,344,000 | 126,981,000 | 127,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,818,000 | 384,265,000 | 406,973,000 | 422,611,000 |
| Interest-bearing deposits | 265,377,000 | 271,970,000 | 300,023,000 | 311,261,000 |
| Noninterest-bearing deposits | 105,441,000 | 112,295,000 | 106,950,000 | 111,350,000 |
| Equity capital | 26,772,000 | 24,676,000 | 20,658,000 | 24,879,000 |
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 | 5,030,000 | 10,421,000 | 16,282,000 | 23,280,000 |
| Interest expense | 1,048,000 | 2,863,000 | 5,022,000 | 7,620,000 |
| Net interest income | 3,982,000 | 7,558,000 | 11,260,000 | 15,660,000 |
| Noninterest income | 223,000 | 419,000 | 1,615,000 | 1,277,000 |
| Noninterest expense | 1,591,000 | 3,242,000 | 4,932,000 | 6,855,000 |
| Provision for loan losses | 130,000 | 430,000 | 630,000 | 730,000 |
| Pretax income | 2,484,000 | 4,270,000 | 6,437,000 | 8,476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,484,000 | 4,270,000 | 6,437,000 | 8,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,274,000 | 51,983,000 | 53,147,000 | 55,153,000 |
| Total capital | 55,446,000 | 55,456,000 | 56,822,000 | — |
| Risk-weighted assets | 354,220,000 | 363,435,000 | 367,687,000 | — |
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