Call reports 2024
CITIZENS BANK — 2024
What CITIZENS BANK 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 | 646,096,000 | 650,835,000 | 643,443,000 | 643,363,000 |
| Total loans | 414,291,000 | 427,329,000 | 427,740,000 | 434,824,000 |
| Allowance for loan losses | 5,543,000 | 5,613,000 | 5,653,000 | 5,627,000 |
| Securities available for sale | 190,780,000 | 182,556,000 | 179,720,000 | 168,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,963,000 | 592,853,000 | 573,984,000 | 583,954,000 |
| Interest-bearing deposits | 459,213,000 | 453,873,000 | 447,342,000 | 457,817,000 |
| Noninterest-bearing deposits | 128,750,000 | 138,980,000 | 126,642,000 | 126,137,000 |
| Equity capital | 56,456,000 | 56,072,000 | 59,750,000 | 56,600,000 |
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 | 7,161,000 | 14,473,000 | 21,992,000 | 29,521,000 |
| Interest expense | 2,677,000 | 5,344,000 | 7,978,000 | 10,453,000 |
| Net interest income | 4,484,000 | 9,129,000 | 14,014,000 | 19,068,000 |
| Noninterest income | 994,000 | 1,973,000 | 2,939,000 | 3,930,000 |
| Noninterest expense | 4,521,000 | 9,118,000 | 13,634,000 | 18,833,000 |
| Provision for loan losses | 0 | 71,000 | 124,000 | 135,000 |
| Pretax income | 923,000 | 1,889,000 | 3,169,000 | 4,004,000 |
| Income tax | 30,000 | 70,000 | 189,000 | 205,000 |
| Net income | 893,000 | 1,819,000 | 2,980,000 | 3,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,696,000 | 64,265,000 | 64,221,000 | 63,827,000 |
| Total capital | 69,239,000 | 69,878,000 | 69,874,000 | 69,454,000 |
| Risk-weighted assets | 480,111,000 | 488,409,000 | 484,040,000 | 507,396,000 |
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