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 | 1,236,233,000 | 1,190,945,000 | 1,241,655,000 | 1,335,234,000 |
| Total loans | 889,732,000 | 997,647,000 | 1,046,406,000 | 1,109,272,000 |
| Allowance for loan losses | 14,162,000 | 14,304,000 | 14,744,000 | 15,350,000 |
| Securities available for sale | 109,604,000 | 102,689,000 | 93,399,000 | 96,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,091,881,000 | 1,056,774,000 | 1,120,031,000 | 1,214,591,000 |
| Interest-bearing deposits | 927,491,000 | 888,338,000 | 959,553,000 | 1,064,572,000 |
| Noninterest-bearing deposits | 164,390,000 | 168,436,000 | 160,478,000 | 150,019,000 |
| Equity capital | 111,478,000 | 107,565,000 | 105,129,000 | 108,475,000 |
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 | 11,142,000 | 22,789,000 | 35,710,000 | 49,915,000 |
| Interest expense | 806,000 | 1,686,000 | 3,176,000 | 6,554,000 |
| Net interest income | 10,336,000 | 21,103,000 | 32,534,000 | 43,361,000 |
| Noninterest income | 1,476,000 | 3,008,000 | 5,248,000 | 7,011,000 |
| Noninterest expense | 7,796,000 | 15,903,000 | 24,447,000 | 32,831,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 3,826,000 | 7,418,000 | 11,945,000 | 15,553,000 |
| Income tax | 878,000 | 1,643,000 | 2,663,000 | 3,419,000 |
| Net income | 2,948,000 | 5,775,000 | 9,282,000 | 12,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,222,000 | 110,375,000 | 113,946,000 | 113,461,000 |
| Total capital | 120,338,000 | 123,928,000 | 128,438,000 | 128,645,000 |
| Risk-weighted assets | 967,244,000 | 1,083,514,000 | 1,159,173,000 | 1,214,567,000 |