Call reports 2020
CITIZENS BANK, THE — 2020
What CITIZENS BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 148,701,000 | 167,348,000 | 175,523,000 | 181,403,000 |
| Total loans | 109,230,000 | 109,123,000 | 112,145,000 | 113,327,000 |
| Allowance for loan losses | 1,285,000 | 1,286,000 | 1,292,000 | 1,293,000 |
| Securities available for sale | 15,475,000 | 19,681,000 | 20,610,000 | 25,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,587,000 | 150,312,000 | 158,180,000 | 164,212,000 |
| Interest-bearing deposits | 89,685,000 | 94,834,000 | 99,661,000 | 103,018,000 |
| Noninterest-bearing deposits | 42,902,000 | 55,478,000 | 58,519,000 | 61,194,000 |
| Equity capital | 15,618,000 | 16,402,000 | 16,665,000 | 16,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,198,000 | 4,762,000 | 6,268,000 |
| Interest expense | 288,000 | 547,000 | 781,000 | 1,024,000 |
| Net interest income | 1,351,000 | 2,651,000 | 3,981,000 | 5,244,000 |
| Noninterest income | 226,000 | 678,000 | 1,038,000 | 1,382,000 |
| Noninterest expense | 1,230,000 | 2,440,000 | 3,678,000 | 5,012,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 347,000 | 893,000 | 1,341,000 | 1,604,000 |
| Income tax | 84,000 | 203,000 | 333,000 | 381,000 |
| Net income | 263,000 | 690,000 | 1,008,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,774,000 | 16,165,000 | 16,448,000 | 16,629,000 |
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