Call reports 2021
CITIZENS BANK — 2021
What CITIZENS BANK 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 | 1,025,729,000 | 1,053,401,000 | 1,078,834,000 | 1,067,265,000 |
| Total loans | 422,889,000 | 394,889,000 | 366,161,000 | 361,166,000 |
| Allowance for loan losses | 12,508,000 | 9,022,000 | 8,033,000 | 8,047,000 |
| Securities available for sale | 403,654,000 | 462,039,000 | 526,474,000 | 552,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 873,311,000 | 893,931,000 | 925,093,000 | 916,501,000 |
| Interest-bearing deposits | 473,833,000 | 481,958,000 | 498,168,000 | 467,903,000 |
| Noninterest-bearing deposits | 399,478,000 | 411,973,000 | 426,925,000 | 448,598,000 |
| Equity capital | 96,066,000 | 99,964,000 | 101,925,000 | 95,445,000 |
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 | 6,808,000 | 14,004,000 | 20,772,000 | 27,270,000 |
| Interest expense | 113,000 | 228,000 | 345,000 | 462,000 |
| Net interest income | 6,695,000 | 13,776,000 | 20,427,000 | 26,808,000 |
| Noninterest income | 804,000 | 1,599,000 | 2,406,000 | 3,096,000 |
| Noninterest expense | 4,687,000 | 9,895,000 | 15,156,000 | 20,683,000 |
| Provision for loan losses | 0 | -3,500,000 | -4,500,000 | -4,500,000 |
| Pretax income | 2,812,000 | 8,980,000 | 12,177,000 | 13,721,000 |
| Income tax | 671,000 | 2,264,000 | 3,022,000 | 3,350,000 |
| Net income | 2,141,000 | 6,716,000 | 9,155,000 | 10,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,546,000 | 98,121,000 | 100,559,000 | 98,492,000 |
| Total capital | 99,601,000 | 104,226,000 | 107,081,000 | 104,847,000 |
| Risk-weighted assets | 477,721,000 | 485,281,000 | 520,050,000 | 506,513,000 |