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 | 599,346,000 | 612,936,000 | 618,005,000 | 622,179,000 |
| Total loans | 245,766,000 | 254,405,000 | 276,895,000 | 276,458,000 |
| Allowance for loan losses | 1,866,000 | 1,943,000 | 2,032,000 | 2,090,000 |
| Securities available for sale | 318,596,000 | 325,944,000 | 308,533,000 | 312,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,614,000 | 497,098,000 | 496,638,000 | 498,640,000 |
| Interest-bearing deposits | 415,285,000 | 418,392,000 | 417,447,000 | 415,600,000 |
| Noninterest-bearing deposits | 76,329,000 | 78,706,000 | 79,191,000 | 83,040,000 |
| Equity capital | 104,671,000 | 111,516,000 | 116,308,000 | 118,386,000 |
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 | 6,217,000 | 12,553,000 | 19,055,000 | 25,588,000 |
| Interest expense | 1,095,000 | 2,332,000 | 3,632,000 | 4,973,000 |
| Net interest income | 5,122,000 | 10,221,000 | 15,423,000 | 20,615,000 |
| Noninterest income | 584,000 | 1,215,000 | 1,786,000 | 2,436,000 |
| Noninterest expense | 1,729,000 | 3,465,000 | 5,309,000 | 8,020,000 |
| Provision for loan losses | 114,000 | 228,000 | 285,000 | 380,000 |
| Pretax income | 3,874,000 | 8,150,000 | 12,081,000 | 15,187,000 |
| Income tax | 659,000 | 1,540,000 | 2,101,000 | 2,633,000 |
| Net income | 3,215,000 | 6,610,000 | 9,980,000 | 12,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,805,000 | 107,201,000 | 110,571,000 | 113,144,000 |
| Total capital | 105,671,000 | 109,144,000 | 112,603,000 | 115,234,000 |
| Risk-weighted assets | 375,825,000 | 387,273,000 | 400,057,000 | 403,916,000 |