Call reports 2022
CITIZENS BANK — 2022
What CITIZENS BANK 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 | 1,076,878,000 | 1,060,213,000 | 1,098,066,000 | 1,055,153,000 |
| Total loans | 348,040,000 | 364,896,000 | 366,793,000 | 378,687,000 |
| Allowance for loan losses | 7,610,000 | 7,696,000 | 5,616,000 | 5,629,000 |
| Securities available for sale | 558,269,000 | 522,645,000 | 481,761,000 | 463,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 944,265,000 | 948,572,000 | 996,866,000 | 955,774,000 |
| Interest-bearing deposits | 477,443,000 | 490,604,000 | 513,417,000 | 502,363,000 |
| Noninterest-bearing deposits | 466,822,000 | 457,968,000 | 483,449,000 | 453,411,000 |
| Equity capital | 77,948,000 | 63,523,000 | 56,576,000 | 58,575,000 |
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 | 6,454,000 | 13,311,000 | 21,000,000 | 29,941,000 |
| Interest expense | 111,000 | 225,000 | 343,000 | 461,000 |
| Net interest income | 6,343,000 | 13,086,000 | 20,657,000 | 29,480,000 |
| Noninterest income | 709,000 | 1,471,000 | 2,217,000 | 3,036,000 |
| Noninterest expense | 5,575,000 | 11,148,000 | 16,822,000 | 22,867,000 |
| Provision for loan losses | -450,000 | -450,000 | -2,550,000 | -2,550,000 |
| Pretax income | 1,927,000 | 3,859,000 | 8,602,000 | 12,199,000 |
| Income tax | 469,000 | 940,000 | 2,159,000 | 3,053,000 |
| Net income | 1,458,000 | 2,919,000 | 6,443,000 | 9,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,514,000 | 101,975,000 | 105,498,000 | 105,631,000 |
| Total capital | 106,817,000 | 108,586,000 | 111,384,000 | 111,530,000 |
| Risk-weighted assets | 502,746,000 | 527,560,000 | 547,725,000 | 540,790,000 |