Call reports 2022
CITIZENS BANK, THE — 2022
What CITIZENS BANK, THE 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 | 192,878,000 | 197,170,000 | 195,720,000 | 183,728,000 |
| Total loans | 113,386,000 | 115,475,000 | 116,433,000 | 119,176,000 |
| Allowance for loan losses | 1,023,000 | 1,036,000 | 1,079,000 | 1,088,000 |
| Securities available for sale | 44,335,000 | 45,949,000 | 46,473,000 | 46,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,112,000 | 175,417,000 | 175,149,000 | 164,512,000 |
| Interest-bearing deposits | 149,115,000 | 150,735,000 | 143,883,000 | 125,768,000 |
| Noninterest-bearing deposits | 20,997,000 | 24,682,000 | 31,266,000 | 38,744,000 |
| Equity capital | 12,401,000 | 11,405,000 | 9,981,000 | 10,694,000 |
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 | 1,450,000 | 3,037,000 | 4,854,000 | 6,877,000 |
| Interest expense | 64,000 | 116,000 | 190,000 | 282,000 |
| Net interest income | 1,386,000 | 2,921,000 | 4,664,000 | 6,595,000 |
| Noninterest income | 300,000 | 688,000 | 1,035,000 | 1,352,000 |
| Noninterest expense | 1,513,000 | 3,019,000 | 4,660,000 | 6,407,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 151,000 | 545,000 | 971,000 | 1,450,000 |
| Income tax | 0 | 4,000 | 6,000 | 8,000 |
| Net income | 151,000 | 541,000 | 965,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,299,000 | 13,496,000 | 13,694,000 | 13,897,000 |
| Total capital | 14,322,000 | 14,532,000 | 14,773,000 | 14,985,000 |
| Risk-weighted assets | 97,207,000 | 100,032,000 | 100,743,000 | 100,133,000 |