Call reports 2023
CITIZENS BANK AND TRUST COMPANY — 2023
What CITIZENS BANK AND TRUST COMPANY 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 | 410,904,000 | 408,120,000 | 424,793,000 | 476,513,000 |
| Total loans | 269,823,000 | 279,884,000 | 290,591,000 | 305,800,000 |
| Allowance for loan losses | 5,929,000 | 6,085,000 | 5,999,000 | 6,069,000 |
| Securities available for sale | 43,698,000 | 40,805,000 | 38,070,000 | 37,909,000 |
| Securities held to maturity | 52,609,000 | 52,609,000 | 50,630,000 | 48,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,302,000 | 339,497,000 | 361,909,000 | 416,509,000 |
| Interest-bearing deposits | 230,178,000 | 222,572,000 | 241,078,000 | 303,632,000 |
| Noninterest-bearing deposits | 129,124,000 | 116,925,000 | 120,831,000 | 112,877,000 |
| Equity capital | 45,568,000 | 45,953,000 | 46,334,000 | 47,222,000 |
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 | 4,631,000 | 9,363,000 | 14,441,000 | 19,767,000 |
| Interest expense | 720,000 | 1,727,000 | 3,306,000 | 5,221,000 |
| Net interest income | 3,911,000 | 7,636,000 | 11,135,000 | 14,546,000 |
| Noninterest income | 383,000 | 735,000 | 1,113,000 | 1,747,000 |
| Noninterest expense | 2,583,000 | 5,267,000 | 7,624,000 | 10,897,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,561,000 | 2,804,000 | 4,174,000 | 4,796,000 |
| Income tax | 382,000 | 738,000 | 1,063,000 | 963,000 |
| Net income | 1,179,000 | 2,066,000 | 3,111,000 | 3,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,832,000 | 47,520,000 | 48,354,000 | 49,078,000 |
| Total capital | 50,763,000 | 51,563,000 | 52,571,000 | 53,669,000 |
| Risk-weighted assets | 312,501,000 | 321,477,000 | 335,597,000 | 365,843,000 |
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