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 | 1,112,002,000 | 1,193,438,000 | 1,221,112,000 | 1,231,643,000 |
| Total loans | 844,577,000 | 867,901,000 | 874,917,000 | 902,103,000 |
| Allowance for loan losses | 11,931,000 | 12,723,000 | 13,164,000 | 13,699,000 |
| Securities available for sale | 105,323,000 | 108,546,000 | 117,001,000 | 123,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 969,872,000 | 1,047,454,000 | 1,073,621,000 | 1,084,061,000 |
| Interest-bearing deposits | 835,241,000 | 907,221,000 | 920,641,000 | 933,573,000 |
| Noninterest-bearing deposits | 134,631,000 | 140,233,000 | 152,980,000 | 150,488,000 |
| Equity capital | 110,443,000 | 114,039,000 | 116,648,000 | 116,959,000 |
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 | 10,208,000 | 21,288,000 | 32,650,000 | 43,815,000 |
| Interest expense | 1,321,000 | 2,462,000 | 3,407,000 | 4,292,000 |
| Net interest income | 8,887,000 | 18,826,000 | 29,243,000 | 39,523,000 |
| Noninterest income | 1,160,000 | 2,475,000 | 3,785,000 | 5,346,000 |
| Noninterest expense | 7,079,000 | 14,346,000 | 21,575,000 | 28,905,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,600,000 | 2,200,000 |
| Pretax income | 2,381,000 | 5,773,000 | 9,902,000 | 13,802,000 |
| Income tax | 470,000 | 1,178,000 | 2,078,000 | 2,870,000 |
| Net income | 1,911,000 | 4,595,000 | 7,824,000 | 10,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,055,000 | 101,802,000 | 105,091,000 | 105,249,000 |
| Total capital | 109,937,000 | 113,378,000 | 116,654,000 | 117,267,000 |
| Risk-weighted assets | 869,513,000 | 924,960,000 | 923,485,000 | 959,809,000 |