Call reports 2023
CITIZENS BANK, THE — 2023
What CITIZENS BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 227,635,000 | 229,089,000 | 232,694,000 | 246,707,000 |
| Total loans | 149,780,000 | 153,420,000 | 162,698,000 | 164,327,000 |
| Allowance for loan losses | 1,645,000 | 1,645,000 | 1,737,000 | 1,870,000 |
| Securities available for sale | 61,138,000 | 52,141,000 | 50,319,000 | 53,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,087,000 | 200,761,000 | 204,408,000 | 221,838,000 |
| Interest-bearing deposits | 146,234,000 | 145,786,000 | 149,159,000 | 167,506,000 |
| Noninterest-bearing deposits | 57,853,000 | 54,975,000 | 55,249,000 | 54,332,000 |
| Equity capital | 14,458,000 | 14,515,000 | 13,734,000 | 16,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,550,000 | 5,371,000 | 8,358,000 | 11,566,000 |
| Interest expense | 771,000 | 1,797,000 | 2,902,000 | 4,204,000 |
| Net interest income | 1,779,000 | 3,574,000 | 5,456,000 | 7,362,000 |
| Noninterest income | 166,000 | 355,000 | 519,000 | 715,000 |
| Noninterest expense | 1,383,000 | 2,626,000 | 4,016,000 | 5,330,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 233,000 |
| Pretax income | 553,000 | 1,116,000 | 1,652,000 | 2,297,000 |
| Income tax | 127,000 | 248,000 | 362,000 | 569,000 |
| Net income | 426,000 | 868,000 | 1,290,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,147,000 | 20,551,000 | 20,933,000 | 21,330,000 |
| Total capital | 21,866,000 | 22,270,000 | 22,764,000 | 23,304,000 |
| Risk-weighted assets | 154,073,000 | 160,074,000 | 170,527,000 | 172,656,000 |
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