Call reports 2021
CITIZENS BANK, THE — 2021
What CITIZENS BANK, THE 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 | 186,177,000 | 193,208,000 | 201,349,000 | 204,490,000 |
| Total loans | 122,019,000 | 124,925,000 | 127,576,000 | 126,697,000 |
| Allowance for loan losses | 1,308,000 | 1,304,000 | 1,339,000 | 1,334,000 |
| Securities available for sale | 28,157,000 | 32,702,000 | 30,455,000 | 40,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,039,000 | 175,457,000 | 183,045,000 | 186,073,000 |
| Interest-bearing deposits | 107,692,000 | 115,332,000 | 118,182,000 | 119,103,000 |
| Noninterest-bearing deposits | 61,347,000 | 60,125,000 | 64,863,000 | 66,970,000 |
| Equity capital | 16,768,000 | 17,272,000 | 17,677,000 | 17,880,000 |
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 | 1,643,000 | 3,322,000 | 5,024,000 | 6,728,000 |
| Interest expense | 233,000 | 421,000 | 608,000 | 792,000 |
| Net interest income | 1,410,000 | 2,901,000 | 4,416,000 | 5,936,000 |
| Noninterest income | 346,000 | 617,000 | 1,056,000 | 1,432,000 |
| Noninterest expense | 1,353,000 | 2,641,000 | 3,990,000 | 5,377,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 90,000 |
| Pretax income | 403,000 | 877,000 | 1,401,000 | 1,910,000 |
| Income tax | 83,000 | 188,000 | 320,000 | 361,000 |
| Net income | 320,000 | 689,000 | 1,081,000 | 1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,624,000 | 17,299,000 | 17,599,000 | 18,031,000 |
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