Call reports 2023
CITIZENS BANK & TRUST CO. OF JACKSON — 2023
What CITIZENS BANK & TRUST CO. OF JACKSON 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 | 193,890,000 | 194,546,000 | 199,099,000 | 202,707,000 |
| Total loans | 144,113,000 | 145,550,000 | 148,234,000 | 148,451,000 |
| Allowance for loan losses | 2,185,000 | 2,273,000 | 2,288,000 | 2,070,000 |
| Securities available for sale | 20,534,000 | 20,450,000 | 20,456,000 | 20,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,175,000 | 175,505,000 | 177,197,000 | 180,268,000 |
| Interest-bearing deposits | 134,167,000 | 138,056,000 | 143,342,000 | 150,414,000 |
| Noninterest-bearing deposits | 41,008,000 | 37,449,000 | 33,855,000 | 29,854,000 |
| Equity capital | 18,050,000 | 18,238,000 | 18,927,000 | 19,541,000 |
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 | 2,327,000 | 4,810,000 | 7,365,000 | 10,104,000 |
| Interest expense | 167,000 | 464,000 | 904,000 | 1,710,000 |
| Net interest income | 2,160,000 | 4,346,000 | 6,461,000 | 8,394,000 |
| Noninterest income | 463,000 | 873,000 | 1,201,000 | 1,702,000 |
| Noninterest expense | 1,710,000 | 3,431,000 | 5,167,000 | 6,935,000 |
| Provision for loan losses | 180,000 | 210,000 | 240,000 | 128,000 |
| Pretax income | 733,000 | 1,578,000 | 2,255,000 | 3,033,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 733,000 | 1,578,000 | 2,255,000 | 3,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,976,000 | 17,246,000 | 17,923,000 | 18,161,000 |
| Total capital | 18,654,000 | 18,938,000 | 19,647,000 | 19,868,000 |
| Risk-weighted assets | 133,734,000 | 134,833,000 | 137,366,000 | 136,253,000 |