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 | 768,354,000 | 768,388,000 | 768,837,000 | 792,997,000 |
| Total loans | 506,829,000 | 522,362,000 | 553,391,000 | 544,056,000 |
| Allowance for loan losses | 3,854,000 | 3,805,000 | 3,406,000 | 4,643,000 |
| Securities available for sale | 132,442,000 | 135,236,000 | 132,158,000 | 130,189,000 |
| Securities held to maturity | 14,686,000 | 14,284,000 | 14,510,000 | 14,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 671,319,000 | 669,221,000 | 665,292,000 | 689,517,000 |
| Interest-bearing deposits | 532,503,000 | 528,236,000 | 522,879,000 | 558,119,000 |
| Noninterest-bearing deposits | 138,816,000 | 140,985,000 | 142,413,000 | 131,398,000 |
| Equity capital | 95,405,000 | 97,663,000 | 100,986,000 | 102,340,000 |
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 | 7,595,000 | 15,465,000 | 23,737,000 | 31,902,000 |
| Interest expense | 1,523,000 | 3,096,000 | 4,686,000 | 6,230,000 |
| Net interest income | 6,072,000 | 12,369,000 | 19,051,000 | 25,672,000 |
| Noninterest income | 1,216,000 | 2,549,000 | 4,270,000 | 5,936,000 |
| Noninterest expense | 4,793,000 | 9,484,000 | 14,117,000 | 18,944,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,499,000 | 5,438,000 | 9,208,000 | 12,668,000 |
| Income tax | 638,000 | 1,427,000 | 2,371,000 | 3,280,000 |
| Net income | 1,861,000 | 4,011,000 | 6,837,000 | 9,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,426,000 | 98,577,000 | 101,402,000 | 102,952,000 |
| Total capital | 101,280,000 | 102,382,000 | 104,808,000 | 107,595,000 |
| Risk-weighted assets | 535,650,000 | 538,714,000 | 584,561,000 | 586,978,000 |