Call reports 2019
CITIZENS BANK — 2019
What CITIZENS BANK 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 | 774,518,000 | 774,350,000 | 805,285,000 | 790,180,000 |
| Total loans | 414,595,000 | 416,070,000 | 412,263,000 | 415,159,000 |
| Allowance for loan losses | 5,087,000 | 5,249,000 | 5,448,000 | 5,538,000 |
| Securities available for sale | 250,247,000 | 252,790,000 | 286,057,000 | 285,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,873,000 | 645,251,000 | 675,509,000 | 661,358,000 |
| Interest-bearing deposits | 392,768,000 | 386,469,000 | 394,277,000 | 388,405,000 |
| Noninterest-bearing deposits | 258,105,000 | 258,782,000 | 281,232,000 | 272,953,000 |
| Equity capital | 83,731,000 | 88,713,000 | 91,697,000 | 90,274,000 |
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 | 7,517,000 | 15,230,000 | 23,118,000 | 30,851,000 |
| Interest expense | 134,000 | 270,000 | 412,000 | 553,000 |
| Net interest income | 7,383,000 | 14,960,000 | 22,706,000 | 30,298,000 |
| Noninterest income | 702,000 | 1,418,000 | 2,196,000 | 2,942,000 |
| Noninterest expense | 4,696,000 | 9,207,000 | 13,732,000 | 18,560,000 |
| Provision for loan losses | 100,000 | 250,000 | 475,000 | 625,000 |
| Pretax income | 3,289,000 | 6,921,000 | 10,695,000 | 14,055,000 |
| Income tax | 806,000 | 1,709,000 | 2,637,000 | 3,488,000 |
| Net income | 2,483,000 | 5,212,000 | 8,058,000 | 10,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,241,000 | 86,970,000 | 89,789,000 | 88,505,000 |
| Total capital | 89,630,000 | 92,471,000 | 95,489,000 | 94,295,000 |
| Risk-weighted assets | 493,142,000 | 497,390,000 | 518,678,000 | 500,617,000 |