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 | 843,205,000 | 839,954,000 | 1,029,152,000 | 994,381,000 |
| Total loans | 373,032,000 | 371,664,000 | 505,426,000 | 516,698,000 |
| Allowance for loan losses | 4,899,000 | 4,898,000 | 4,887,000 | 4,898,000 |
| Securities available for sale | 106,395,000 | 132,773,000 | 174,795,000 | 200,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,161,000 | 764,799,000 | 942,663,000 | 903,679,000 |
| Interest-bearing deposits | 491,784,000 | 502,132,000 | 648,266,000 | 624,885,000 |
| Noninterest-bearing deposits | 252,377,000 | 262,667,000 | 294,397,000 | 278,794,000 |
| Equity capital | 67,417,000 | 58,921,000 | 76,544,000 | 81,945,000 |
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 | 4,978,000 | 10,682,000 | 19,696,000 | 30,351,000 |
| Interest expense | 195,000 | 372,000 | 580,000 | 1,103,000 |
| Net interest income | 4,783,000 | 10,310,000 | 19,116,000 | 29,248,000 |
| Noninterest income | 1,721,000 | 3,494,000 | 5,576,000 | 7,523,000 |
| Noninterest expense | 5,061,000 | 10,976,000 | 18,691,000 | 26,042,000 |
| Provision for loan losses | 35,000 | 79,000 | 148,000 | 240,000 |
| Pretax income | 1,408,000 | 2,749,000 | 5,853,000 | 10,489,000 |
| Income tax | 317,000 | 221,000 | 945,000 | 2,179,000 |
| Net income | 1,091,000 | 2,528,000 | 4,908,000 | 8,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,491,000 | 64,149,000 | 73,637,000 | 75,982,000 |
| Total capital | 72,390,000 | 69,047,000 | 78,524,000 | 80,880,000 |
| Risk-weighted assets | 415,278,000 | 406,203,000 | 551,433,000 | 569,654,000 |
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