Call reports 2019
CITIZENS BANK — 2019
What CITIZENS BANK 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 | 108,787,000 | 115,237,000 | 116,299,000 | 120,974,000 |
| Total loans | 86,489,000 | 91,703,000 | 96,893,000 | 98,840,000 |
| Allowance for loan losses | 369,000 | 400,000 | 419,000 | 420,000 |
| Securities available for sale | 10,444,000 | 10,482,000 | 10,489,000 | 8,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,473,000 | 105,303,000 | 106,265,000 | 110,921,000 |
| Interest-bearing deposits | 84,014,000 | 89,192,000 | 90,005,000 | 94,643,000 |
| Noninterest-bearing deposits | 15,459,000 | 16,111,000 | 16,260,000 | 16,278,000 |
| Equity capital | 8,984,000 | 9,481,000 | 9,587,000 | 9,754,000 |
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 | 1,293,000 | 2,754,000 | 4,255,000 | 5,784,000 |
| Interest expense | 327,000 | 715,000 | 1,125,000 | 1,542,000 |
| Net interest income | 966,000 | 2,039,000 | 3,130,000 | 4,242,000 |
| Noninterest income | 193,000 | 647,000 | 812,000 | 955,000 |
| Noninterest expense | 826,000 | 1,654,000 | 2,537,000 | 3,289,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 303,000 | 972,000 | 1,315,000 | 1,818,000 |
| Income tax | 53,000 | 193,000 | 265,000 | 359,000 |
| Net income | 250,000 | 779,000 | 1,050,000 | 1,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,406,000 | 8,896,000 | 9,018,000 | 9,198,000 |
| Total capital | 8,775,000 | 9,296,000 | 9,437,000 | 9,618,000 |
| Risk-weighted assets | 79,469,000 | 83,893,000 | 87,783,000 | 89,988,000 |