Call reports 2019
CITIZENS BANK, THE — 2019
What CITIZENS BANK, THE 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 | 155,079,000 | 146,057,000 | 147,332,000 | 149,386,000 |
| Total loans | 114,968,000 | 115,172,000 | 107,380,000 | 109,153,000 |
| Allowance for loan losses | 1,689,000 | 1,499,000 | 1,445,000 | 1,216,000 |
| Securities available for sale | 17,451,000 | 17,161,000 | 16,657,000 | 16,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,153,000 | 127,735,000 | 131,412,000 | 133,323,000 |
| Interest-bearing deposits | 98,749,000 | 89,729,000 | 91,734,000 | 91,001,000 |
| Noninterest-bearing deposits | 38,404,000 | 38,006,000 | 39,678,000 | 42,322,000 |
| Equity capital | 14,285,000 | 14,779,000 | 15,216,000 | 15,591,000 |
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 | 1,759,000 | 3,571,000 | 5,314,000 | 7,022,000 |
| Interest expense | 320,000 | 645,000 | 950,000 | 1,250,000 |
| Net interest income | 1,439,000 | 2,926,000 | 4,364,000 | 5,772,000 |
| Noninterest income | 228,000 | 460,000 | 675,000 | 1,196,000 |
| Noninterest expense | 1,154,000 | 2,430,000 | 3,497,000 | 4,896,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 513,000 | 956,000 | 1,540,000 | 2,069,000 |
| Income tax | 65,000 | 211,000 | 363,000 | 491,000 |
| Net income | 448,000 | 745,000 | 1,177,000 | 1,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,515,000 | 14,778,000 | 15,178,000 | 15,545,000 |
| Total capital | 15,965,000 | 16,211,000 | 16,559,000 | 16,761,000 |
| Risk-weighted assets | 115,766,000 | 114,606,000 | 110,408,000 | 111,459,000 |
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