Call reports 2021
CITIZENS BANK — 2021
What CITIZENS BANK 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 | 712,952,000 | 733,675,000 | 743,175,000 | 763,412,000 |
| Total loans | 293,156,000 | 310,689,000 | 303,023,000 | 305,766,000 |
| Allowance for loan losses | 3,187,000 | 3,349,000 | 3,312,000 | 3,351,000 |
| Securities available for sale | 367,482,000 | 397,139,000 | 407,875,000 | 427,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,336,000 | 595,868,000 | 606,155,000 | 621,033,000 |
| Interest-bearing deposits | 461,654,000 | 472,092,000 | 477,654,000 | 488,513,000 |
| Noninterest-bearing deposits | 122,682,000 | 123,776,000 | 128,501,000 | 132,520,000 |
| Equity capital | 122,778,000 | 131,191,000 | 132,765,000 | 137,935,000 |
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 | 6,385,000 | 13,634,000 | 20,490,000 | 27,344,000 |
| Interest expense | 632,000 | 1,185,000 | 1,710,000 | 2,222,000 |
| Net interest income | 5,753,000 | 12,449,000 | 18,780,000 | 25,122,000 |
| Noninterest income | 719,000 | 1,506,000 | 2,232,000 | 2,912,000 |
| Noninterest expense | 1,794,000 | 3,586,000 | 5,356,000 | 8,070,000 |
| Provision for loan losses | 125,000 | 249,000 | 249,000 | 399,000 |
| Pretax income | 4,586,000 | 10,158,000 | 15,446,000 | 19,616,000 |
| Income tax | 698,000 | 1,658,000 | 2,541,000 | 3,065,000 |
| Net income | 3,888,000 | 8,500,000 | 12,905,000 | 16,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,254,000 | 117,866,000 | 122,271,000 | 125,917,000 |