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 | 983,872,000 | 995,284,000 | 1,011,190,000 | 1,026,808,000 |
| Total loans | 610,081,000 | 625,665,000 | 612,253,000 | 608,872,000 |
| Allowance for loan losses | 7,008,000 | 7,348,000 | 7,661,000 | 7,928,000 |
| Securities available for sale | 161,025,000 | 179,407,000 | 192,892,000 | 243,878,000 |
| Securities held to maturity | 12,611,000 | 11,148,000 | 11,084,000 | 11,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 860,128,000 | 868,785,000 | 882,906,000 | 899,249,000 |
| Interest-bearing deposits | 639,430,000 | 643,692,000 | 641,102,000 | 646,642,000 |
| Noninterest-bearing deposits | 220,698,000 | 225,093,000 | 241,804,000 | 252,607,000 |
| Equity capital | 115,967,000 | 117,513,000 | 119,896,000 | 121,336,000 |
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 | 8,099,000 | 16,215,000 | 24,855,000 | 32,836,000 |
| Interest expense | 709,000 | 1,278,000 | 1,747,000 | 2,129,000 |
| Net interest income | 7,390,000 | 14,937,000 | 23,108,000 | 30,707,000 |
| Noninterest income | 2,479,000 | 4,462,000 | 6,376,000 | 8,283,000 |
| Noninterest expense | 5,406,000 | 10,756,000 | 16,318,000 | 22,180,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 4,163,000 | 8,043,000 | 12,266,000 | 15,610,000 |
| Income tax | 1,097,000 | 2,184,000 | 3,402,000 | 4,180,000 |
| Net income | 3,066,000 | 5,859,000 | 8,864,000 | 11,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,317,000 | 116,610,000 | 119,614,000 | 120,481,000 |
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