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 | 861,752,000 | 894,868,000 | 917,256,000 | 920,636,000 |
| Total loans | 665,892,000 | 704,341,000 | 723,790,000 | 742,593,000 |
| Allowance for loan losses | 10,480,000 | 10,799,000 | 11,048,000 | 11,386,000 |
| Securities available for sale | 118,731,000 | 114,432,000 | 108,685,000 | 106,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 729,534,000 | 735,133,000 | 751,035,000 | 759,930,000 |
| Interest-bearing deposits | 654,177,000 | 665,665,000 | 679,418,000 | 682,138,000 |
| Noninterest-bearing deposits | 75,357,000 | 69,468,000 | 71,617,000 | 77,792,000 |
| Equity capital | 85,878,000 | 88,021,000 | 89,675,000 | 86,248,000 |
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 | 9,639,000 | 19,569,000 | 30,014,000 | 40,690,000 |
| Interest expense | 2,192,000 | 4,586,000 | 7,012,000 | 9,418,000 |
| Net interest income | 7,447,000 | 14,983,000 | 23,002,000 | 31,272,000 |
| Noninterest income | 1,262,000 | 2,513,000 | 3,730,000 | 5,074,000 |
| Noninterest expense | 6,196,000 | 12,778,000 | 19,335,000 | 25,711,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 2,138,000 | 3,978,000 | 6,343,000 | 9,223,000 |
| Income tax | 420,000 | 725,000 | 1,169,000 | 1,706,000 |
| Net income | 1,718,000 | 3,253,000 | 5,174,000 | 7,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,740,000 | 75,338,000 | 76,823,000 | 73,542,000 |
| Total capital | 82,546,000 | 84,560,000 | 86,241,000 | 83,364,000 |
| Risk-weighted assets | 702,833,000 | 736,203,000 | 751,841,000 | 784,273,000 |