Call reports 2021
CITIZENS BANK, THE — 2021
What CITIZENS BANK, THE 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 | 200,756,000 | 212,317,000 | 216,282,000 | 196,644,000 |
| Total loans | 115,256,000 | 114,520,000 | 108,599,000 | 108,891,000 |
| Allowance for loan losses | 937,000 | 960,000 | 1,000,000 | 1,005,000 |
| Securities available for sale | 30,819,000 | 34,622,000 | 40,442,000 | 42,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,220,000 | 165,717,000 | 170,117,000 | 171,821,000 |
| Interest-bearing deposits | 122,221,000 | 125,712,000 | 127,238,000 | 133,108,000 |
| Noninterest-bearing deposits | 38,999,000 | 40,005,000 | 42,879,000 | 38,713,000 |
| Equity capital | 15,014,000 | 14,717,000 | 14,590,000 | 14,449,000 |
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 | 2,338,000 | 3,938,000 | 5,386,000 | 7,192,000 |
| Interest expense | 73,000 | 148,000 | 224,000 | 298,000 |
| Net interest income | 2,265,000 | 3,790,000 | 5,162,000 | 6,894,000 |
| Noninterest income | 256,000 | 527,000 | 839,000 | 1,128,000 |
| Noninterest expense | 1,453,000 | 2,897,000 | 4,367,000 | 5,882,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 1,045,000 | 1,375,000 | 1,566,000 | 2,050,000 |
| Income tax | 0 | 4,000 | 5,000 | 7,000 |
| Net income | 1,045,000 | 1,371,000 | 1,561,000 | 2,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,990,000 | 12,795,000 | 12,840,000 | 13,158,000 |
| Total capital | 13,927,000 | 13,755,000 | 13,840,000 | 14,163,000 |
| Risk-weighted assets | 97,320,000 | 91,676,000 | 92,160,000 | 93,285,000 |