Call reports 2019
CITIZENS BANK, THE — 2019
What CITIZENS BANK, THE 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 | 555,797,000 | 569,419,000 | 573,242,000 | 577,189,000 |
| Total loans | 373,698,000 | 376,755,000 | 376,694,000 | 384,630,000 |
| Allowance for loan losses | 3,299,000 | 3,284,000 | 3,263,000 | 3,577,000 |
| Securities available for sale | 67,096,000 | 67,311,000 | 70,979,000 | 71,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,377,000 | 485,090,000 | 486,661,000 | 490,697,000 |
| Interest-bearing deposits | 349,186,000 | 349,137,000 | 347,366,000 | 351,844,000 |
| Noninterest-bearing deposits | 138,191,000 | 135,953,000 | 139,295,000 | 138,853,000 |
| Equity capital | 56,862,000 | 59,183,000 | 60,858,000 | 61,080,000 |
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 | 5,677,000 | 11,490,000 | 17,401,000 | 23,311,000 |
| Interest expense | 616,000 | 1,337,000 | 2,109,000 | 2,819,000 |
| Net interest income | 5,061,000 | 10,153,000 | 15,292,000 | 20,492,000 |
| Noninterest income | 1,408,000 | 2,941,000 | 4,526,000 | 6,489,000 |
| Noninterest expense | 4,506,000 | 9,223,000 | 13,678,000 | 19,035,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 405,000 |
| Pretax income | 1,933,000 | 3,796,000 | 6,020,000 | 7,541,000 |
| Income tax | 462,000 | 908,000 | 1,435,000 | 1,704,000 |
| Net income | 1,471,000 | 2,888,000 | 4,585,000 | 5,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,981,000 | 53,476,000 | 55,233,000 | 55,537,000 |
| Total capital | 55,280,000 | 56,760,000 | 58,496,000 | 59,114,000 |
| Risk-weighted assets | 381,757,000 | 381,664,000 | 384,086,000 | 391,293,000 |