Call reports 2020
CITIZENS BANK — 2020
What CITIZENS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 809,877,000 | 893,273,000 | 900,077,000 | 930,850,000 |
| Total loans | 552,927,000 | 593,288,000 | 608,092,000 | 602,001,000 |
| Allowance for loan losses | 4,733,000 | 5,235,000 | 5,825,000 | 6,706,000 |
| Securities available for sale | 134,057,000 | 134,150,000 | 136,916,000 | 146,884,000 |
| Securities held to maturity | 13,665,000 | 13,125,000 | 13,000,000 | 13,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 701,753,000 | 768,474,000 | 779,027,000 | 809,920,000 |
| Interest-bearing deposits | 563,711,000 | 588,520,000 | 592,039,000 | 602,566,000 |
| Noninterest-bearing deposits | 138,042,000 | 179,955,000 | 186,988,000 | 207,354,000 |
| Equity capital | 105,354,000 | 108,800,000 | 112,037,000 | 114,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,029,000 | 15,980,000 | 23,846,000 | 32,078,000 |
| Interest expense | 1,566,000 | 2,763,000 | 3,762,000 | 4,621,000 |
| Net interest income | 6,463,000 | 13,217,000 | 20,084,000 | 27,457,000 |
| Noninterest income | 1,555,000 | 4,597,000 | 7,766,000 | 10,606,000 |
| Noninterest expense | 4,867,000 | 10,054,000 | 15,055,000 | 20,782,000 |
| Provision for loan losses | 100,000 | 400,000 | 1,000,000 | 1,905,000 |
| Pretax income | 3,051,000 | 7,360,000 | 11,795,000 | 15,376,000 |
| Income tax | 791,000 | 1,974,000 | 3,101,000 | 3,677,000 |
| Net income | 2,260,000 | 5,386,000 | 8,694,000 | 11,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,212,000 | 107,138,000 | 110,446,000 | 112,250,000 |
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