Call reports 2024
CITIZENS BANK AND TRUST COMPANY — 2024
What CITIZENS BANK AND TRUST COMPANY 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 | 443,084,000 | 449,417,000 | 452,526,000 | 474,581,000 |
| Total loans | 313,024,000 | 317,976,000 | 330,559,000 | 325,177,000 |
| Allowance for loan losses | 6,194,000 | 5,979,000 | 5,299,000 | 5,407,000 |
| Securities available for sale | 36,805,000 | 35,600,000 | 34,435,000 | 32,680,000 |
| Securities held to maturity | 46,426,000 | 45,420,000 | 40,959,000 | 38,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,761,000 | 382,019,000 | 398,326,000 | 420,476,000 |
| Interest-bearing deposits | 279,635,000 | 272,550,000 | 282,723,000 | 307,660,000 |
| Noninterest-bearing deposits | 110,126,000 | 109,469,000 | 115,603,000 | 112,816,000 |
| Equity capital | 46,542,000 | 47,099,000 | 48,469,000 | 49,189,000 |
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 | 5,577,000 | 11,340,000 | 17,351,000 | 23,529,000 |
| Interest expense | 1,915,000 | 4,058,000 | 6,334,000 | 8,492,000 |
| Net interest income | 3,662,000 | 7,282,000 | 11,017,000 | 15,037,000 |
| Noninterest income | 348,000 | 522,000 | 895,000 | 1,567,000 |
| Noninterest expense | 3,091,000 | 6,174,000 | 9,208,000 | 12,802,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 799,000 | 1,390,000 | 2,344,000 | 3,322,000 |
| Income tax | 211,000 | 330,000 | 398,000 | 601,000 |
| Net income | 588,000 | 1,060,000 | 1,946,000 | 2,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,461,000 | 48,933,000 | 49,604,000 | 50,378,000 |
| Total capital | 52,911,000 | 53,462,000 | 54,250,000 | 54,914,000 |
| Risk-weighted assets | 354,273,000 | 360,886,000 | 371,102,000 | 362,041,000 |
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