Call reports 2023
CITIZENS BANK AND TRUST, INC. — 2023
What CITIZENS BANK AND TRUST, INC. 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 | 129,391,000 | 127,774,000 | 126,488,000 | 127,478,000 |
| Total loans | 71,260,000 | 71,080,000 | 71,455,000 | 72,494,000 |
| Allowance for loan losses | 1,173,000 | 1,179,000 | 1,197,000 | 1,139,000 |
| Securities available for sale | 24,480,000 | 23,894,000 | 24,064,000 | 24,970,000 |
| Securities held to maturity | 10,907,000 | 10,893,000 | 10,726,000 | 10,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,977,000 | 115,463,000 | 113,980,000 | 113,730,000 |
| Interest-bearing deposits | 90,625,000 | 88,359,000 | 87,583,000 | 87,460,000 |
| Noninterest-bearing deposits | 26,352,000 | 27,104,000 | 26,397,000 | 26,270,000 |
| Equity capital | 11,697,000 | 11,861,000 | 11,888,000 | 12,164,000 |
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 | 1,518,000 | 3,079,000 | 4,698,000 | 6,349,000 |
| Interest expense | 91,000 | 219,000 | 375,000 | 562,000 |
| Net interest income | 1,427,000 | 2,860,000 | 4,323,000 | 5,787,000 |
| Noninterest income | 273,000 | 600,000 | 867,000 | 1,117,000 |
| Noninterest expense | 1,039,000 | 2,144,000 | 3,221,000 | 4,216,000 |
| Provision for loan losses | 43,000 | 76,000 | 109,000 | 111,000 |
| Pretax income | 618,000 | 1,240,000 | 1,855,000 | 2,526,000 |
| Income tax | 138,000 | 275,000 | 414,000 | 573,000 |
| Net income | 480,000 | 965,000 | 1,441,000 | 1,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,977,000 | 14,462,000 | 14,938,000 | 14,450,000 |
| Total capital | 14,837,000 | 15,338,000 | 15,810,000 | 15,323,000 |
| Risk-weighted assets | 68,506,000 | 69,742,000 | 69,451,000 | 69,527,000 |