Call reports 2022
CITIZENS BANK — 2022
What CITIZENS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 492,153,000 | 505,540,000 | 515,801,000 | 522,552,000 |
| Total loans | 249,906,000 | 263,414,000 | 267,342,000 | 272,697,000 |
| Allowance for loan losses | 6,787,000 | 6,941,000 | 7,055,000 | 7,212,000 |
| Securities available for sale | 75,543,000 | 80,881,000 | 94,026,000 | 96,506,000 |
| Securities held to maturity | 442,000 | 407,000 | 385,000 | 363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,858,000 | 445,485,000 | 455,893,000 | 461,360,000 |
| Interest-bearing deposits | 261,241,000 | 267,331,000 | 266,482,000 | 277,309,000 |
| Noninterest-bearing deposits | 169,617,000 | 178,154,000 | 189,411,000 | 184,051,000 |
| Equity capital | 59,941,000 | 58,514,000 | 58,086,000 | 58,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,527,000 | 7,332,000 | 11,835,000 | 16,940,000 |
| Interest expense | 153,000 | 306,000 | 461,000 | 828,000 |
| Net interest income | 3,374,000 | 7,026,000 | 11,374,000 | 16,112,000 |
| Noninterest income | 520,000 | 942,000 | 1,368,000 | 1,699,000 |
| Noninterest expense | 3,301,000 | 6,802,000 | 10,383,000 | 13,911,000 |
| Provision for loan losses | 225,000 | 375,000 | 495,000 | 600,000 |
| Pretax income | 368,000 | 791,000 | 1,864,000 | 3,300,000 |
| Income tax | 78,000 | 168,000 | 395,000 | 693,000 |
| Net income | 290,000 | 623,000 | 1,469,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,771,000 | 62,104,000 | 62,950,000 | 64,051,000 |
| Total capital | 65,811,000 | 66,266,000 | 67,113,000 | 68,261,000 |
| Risk-weighted assets | 320,477,000 | 330,235,000 | 330,185,000 | 333,874,000 |