Call reports 2019
CITIZENS BANK, THE — 2019
What CITIZENS BANK, THE 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 | 139,212,000 | 141,232,000 | 142,936,000 | 149,562,000 |
| Total loans | 108,380,000 | 108,809,000 | 107,095,000 | 106,547,000 |
| Allowance for loan losses | 856,000 | 883,000 | 892,000 | 844,000 |
| Securities available for sale | 14,524,000 | 14,417,000 | 13,913,000 | 14,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,275,000 | 120,782,000 | 121,057,000 | 123,135,000 |
| Interest-bearing deposits | 92,826,000 | 94,224,000 | 94,265,000 | 97,758,000 |
| Noninterest-bearing deposits | 27,449,000 | 26,558,000 | 26,792,000 | 25,377,000 |
| Equity capital | 13,353,000 | 13,502,000 | 13,719,000 | 13,433,000 |
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 | 1,615,000 | 3,270,000 | 4,937,000 | 6,551,000 |
| Interest expense | 144,000 | 295,000 | 453,000 | 619,000 |
| Net interest income | 1,471,000 | 2,975,000 | 4,484,000 | 5,932,000 |
| Noninterest income | 261,000 | 562,000 | 866,000 | 1,208,000 |
| Noninterest expense | 1,415,000 | 2,833,000 | 4,262,000 | 5,696,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 120,000 |
| Pretax income | 272,000 | 614,000 | 983,000 | 1,320,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 272,000 | 614,000 | 983,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,575,000 | 11,580,000 | 11,761,000 | 11,569,000 |
| Total capital | 12,431,000 | 12,463,000 | 12,653,000 | 12,413,000 |
| Risk-weighted assets | 89,541,000 | 90,201,000 | 89,252,000 | 89,861,000 |