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 | 734,789,000 | 757,994,000 | 779,857,000 | 792,021,000 |
| Total loans | 411,197,000 | 406,679,000 | 381,375,000 | 382,342,000 |
| Allowance for loan losses | 4,946,000 | 4,930,000 | 4,908,000 | 4,870,000 |
| Securities available for sale | 95,580,000 | 97,537,000 | 94,663,000 | 95,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 633,557,000 | 655,329,000 | 675,601,000 | 688,913,000 |
| Interest-bearing deposits | 421,465,000 | 434,465,000 | 442,308,000 | 471,075,000 |
| Noninterest-bearing deposits | 212,092,000 | 220,864,000 | 233,293,000 | 217,838,000 |
| Equity capital | 67,198,000 | 69,273,000 | 71,443,000 | 71,189,000 |
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 | 5,659,000 | 11,102,000 | 17,449,000 | 22,783,000 |
| Interest expense | 222,000 | 440,000 | 651,000 | 850,000 |
| Net interest income | 5,437,000 | 10,662,000 | 16,798,000 | 21,933,000 |
| Noninterest income | 1,748,000 | 3,293,000 | 5,293,000 | 7,202,000 |
| Noninterest expense | 4,809,000 | 9,892,000 | 15,323,000 | 20,685,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 165,000 |
| Pretax income | 2,361,000 | 4,018,000 | 6,693,000 | 8,300,000 |
| Income tax | 573,000 | 658,000 | 1,335,000 | 1,695,000 |
| Net income | 1,788,000 | 3,360,000 | 5,358,000 | 6,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,012,000 | 63,801,000 | 65,851,000 | 66,350,000 |
| Total capital | 66,958,000 | 68,731,000 | 70,759,000 | 71,219,000 |
| Risk-weighted assets | 400,546,000 | 407,473,000 | 410,546,000 | 403,177,000 |