Call reports 2024
CITIZENS BANK OF CLOVIS, THE — 2024
What CITIZENS BANK OF CLOVIS, THE 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 | 518,085,000 | 500,183,000 | 509,522,000 | 517,129,000 |
| Total loans | 320,233,000 | 329,788,000 | 342,608,000 | 330,872,000 |
| Allowance for loan losses | 3,977,000 | 4,287,000 | 4,327,000 | 4,337,000 |
| Securities available for sale | 125,223,000 | 123,560,000 | 125,333,000 | 118,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,033,000 | 437,704,000 | 435,816,000 | 451,220,000 |
| Interest-bearing deposits | 333,074,000 | 333,095,000 | 335,666,000 | 340,972,000 |
| Noninterest-bearing deposits | 102,959,000 | 104,609,000 | 100,150,000 | 110,248,000 |
| Equity capital | 23,901,000 | 24,664,000 | 30,793,000 | 29,281,000 |
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 | 7,020,000 | 14,042,000 | 21,520,000 | 28,647,000 |
| Interest expense | 2,925,000 | 5,856,000 | 8,952,000 | 11,744,000 |
| Net interest income | 4,095,000 | 8,186,000 | 12,568,000 | 16,903,000 |
| Noninterest income | 234,000 | 405,000 | 614,000 | 817,000 |
| Noninterest expense | 1,815,000 | 3,642,000 | 5,427,000 | 7,631,000 |
| Provision for loan losses | 203,000 | 648,000 | 645,000 | 645,000 |
| Pretax income | 2,308,000 | 4,298,000 | 7,107,000 | 9,441,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,308,000 | 4,298,000 | 7,107,000 | 9,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,529,000 | 55,091,000 | 56,800,000 | 58,888,000 |
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