Call reports 2022
CITIZENS BANK — 2022
What CITIZENS BANK 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 | 749,483,000 | 743,874,000 | 733,328,000 | 726,776,000 |
| Total loans | 309,452,000 | 325,029,000 | 343,789,000 | 356,790,000 |
| Allowance for loan losses | 3,386,000 | 3,593,000 | 3,710,000 | 4,281,000 |
| Securities available for sale | 401,058,000 | 381,084,000 | 358,079,000 | 335,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 636,983,000 | 651,180,000 | 644,370,000 | 630,455,000 |
| Interest-bearing deposits | 507,022,000 | 517,083,000 | 510,409,000 | 496,899,000 |
| Noninterest-bearing deposits | 129,961,000 | 134,097,000 | 133,961,000 | 133,556,000 |
| Equity capital | 111,215,000 | 91,481,000 | 87,472,000 | 94,766,000 |
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 | 6,886,000 | 13,898,000 | 21,677,000 | 29,504,000 |
| Interest expense | 491,000 | 1,007,000 | 1,629,000 | 2,557,000 |
| Net interest income | 6,395,000 | 12,891,000 | 20,048,000 | 26,947,000 |
| Noninterest income | 758,000 | 1,386,000 | 1,905,000 | 2,517,000 |
| Noninterest expense | 1,744,000 | 3,518,000 | 5,337,000 | 7,908,000 |
| Provision for loan losses | 140,000 | 279,000 | 418,000 | 1,002,000 |
| Pretax income | 5,283,000 | 10,536,000 | 16,306,000 | 20,267,000 |
| Income tax | 881,000 | 1,740,000 | 2,957,000 | 3,102,000 |
| Net income | 4,402,000 | 8,796,000 | 13,349,000 | 17,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,708,000 | 125,102,000 | 129,655,000 | 133,471,000 |