Call reports 2019
CITIZENS BANK — 2019
What CITIZENS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 423,824,000 | 414,530,000 | 418,535,000 | 411,332,000 |
| Total loans | 241,819,000 | 258,144,000 | 274,204,000 | 283,910,000 |
| Allowance for loan losses | 4,201,000 | 4,381,000 | 4,373,000 | 4,614,000 |
| Securities available for sale | 32,611,000 | 31,320,000 | 41,002,000 | 29,157,000 |
| Securities held to maturity | 1,029,000 | 975,000 | 897,000 | 840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,002,000 | 336,285,000 | 339,063,000 | 331,466,000 |
| Interest-bearing deposits | 208,700,000 | 203,890,000 | 204,578,000 | 207,512,000 |
| Noninterest-bearing deposits | 138,302,000 | 132,395,000 | 134,485,000 | 123,954,000 |
| Equity capital | 54,654,000 | 56,065,000 | 57,227,000 | 58,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,437,000 | 9,315,000 | 14,291,000 | 19,148,000 |
| Interest expense | 545,000 | 1,095,000 | 1,653,000 | 2,226,000 |
| Net interest income | 3,892,000 | 8,220,000 | 12,638,000 | 16,922,000 |
| Noninterest income | 252,000 | 501,000 | 786,000 | 726,000 |
| Noninterest expense | 3,092,000 | 6,134,000 | 9,169,000 | 12,031,000 |
| Provision for loan losses | 150,000 | 330,000 | 540,000 | 780,000 |
| Pretax income | 902,000 | 2,257,000 | 3,715,000 | 4,837,000 |
| Income tax | 188,000 | 470,000 | 774,000 | 1,001,000 |
| Net income | 714,000 | 1,787,000 | 2,941,000 | 3,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,571,000 | 55,581,000 | 56,659,000 | 57,478,000 |
| Total capital | 58,156,000 | 59,342,000 | 60,657,000 | 61,621,000 |
| Risk-weighted assets | 286,197,000 | 300,303,000 | 319,517,000 | 331,027,000 |