Call reports 2022
CITIZENS BANK, THE — 2022
What CITIZENS BANK, THE 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 | 222,871,000 | 221,650,000 | 222,573,000 | 215,887,000 |
| Total loans | 128,102,000 | 135,732,000 | 139,317,000 | 143,938,000 |
| Allowance for loan losses | 1,341,000 | 1,343,000 | 1,406,000 | 1,406,000 |
| Securities available for sale | 60,713,000 | 64,621,000 | 61,179,000 | 61,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,514,000 | 208,007,000 | 206,684,000 | 196,723,000 |
| Interest-bearing deposits | 138,530,000 | 139,466,000 | 135,423,000 | 134,725,000 |
| Noninterest-bearing deposits | 67,984,000 | 68,541,000 | 71,261,000 | 61,998,000 |
| Equity capital | 15,626,000 | 13,172,000 | 12,301,000 | 13,560,000 |
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 | 1,702,000 | 3,665,000 | 5,855,000 | 8,199,000 |
| Interest expense | 197,000 | 396,000 | 587,000 | 1,018,000 |
| Net interest income | 1,505,000 | 3,269,000 | 5,268,000 | 7,181,000 |
| Noninterest income | 185,000 | 409,000 | 563,000 | 938,000 |
| Noninterest expense | 1,278,000 | 2,697,000 | 4,007,000 | 5,254,000 |
| Provision for loan losses | 0 | 0 | 65,000 | 65,000 |
| Pretax income | 412,000 | 981,000 | 1,759,000 | 2,800,000 |
| Income tax | 102,000 | 213,000 | 401,000 | 662,000 |
| Net income | 310,000 | 768,000 | 1,358,000 | 2,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,300,000 | 18,925,000 | 19,271,000 | 20,012,000 |
| Total capital | — | — | 20,677,000 | 21,418,000 |
| Risk-weighted assets | — | — | 151,185,000 | 151,796,000 |
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