Call reports 2021
CITIZENS BANK — 2021
What CITIZENS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 449,246,000 | 450,548,000 | 463,055,000 | 469,022,000 |
| Total loans | 280,515,000 | 274,757,000 | 265,339,000 | 256,812,000 |
| Allowance for loan losses | 5,750,000 | 6,053,000 | 6,327,000 | 6,524,000 |
| Securities available for sale | 24,265,000 | 24,504,000 | 32,587,000 | 45,023,000 |
| Securities held to maturity | 595,000 | 557,000 | 503,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,107,000 | 387,172,000 | 399,278,000 | 405,874,000 |
| Interest-bearing deposits | 233,159,000 | 235,364,000 | 240,753,000 | 247,596,000 |
| Noninterest-bearing deposits | 152,948,000 | 151,808,000 | 158,525,000 | 158,278,000 |
| Equity capital | 61,211,000 | 61,542,000 | 61,823,000 | 61,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,691,000 | 8,643,000 | 12,338,000 | 15,953,000 |
| Interest expense | 238,000 | 449,000 | 621,000 | 789,000 |
| Net interest income | 4,453,000 | 8,194,000 | 11,717,000 | 15,164,000 |
| Noninterest income | 49,000 | 321,000 | 747,000 | 1,108,000 |
| Noninterest expense | 3,150,000 | 6,364,000 | 9,730,000 | 13,023,000 |
| Provision for loan losses | 300,000 | 600,000 | 875,000 | 1,100,000 |
| Pretax income | 1,052,000 | 1,551,000 | 1,859,000 | 2,149,000 |
| Income tax | 219,000 | 322,000 | 384,000 | 446,000 |
| Net income | 833,000 | 1,229,000 | 1,475,000 | 1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,611,000 | 61,007,000 | 61,253,000 | 61,481,000 |
| Total capital | 64,562,000 | 64,948,000 | 65,235,000 | 65,429,000 |
| Risk-weighted assets | 314,335,000 | 313,207,000 | 316,293,000 | 313,341,000 |