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 | 1,042,843,000 | 1,009,117,000 | 1,008,599,000 | 1,010,110,000 |
| Total loans | 636,561,000 | 642,386,000 | 655,632,000 | 675,497,000 |
| Allowance for loan losses | 7,921,000 | 7,917,000 | 7,951,000 | 8,022,000 |
| Securities available for sale | 238,028,000 | 235,627,000 | 231,781,000 | 230,194,000 |
| Securities held to maturity | 9,979,000 | 6,740,000 | 6,546,000 | 6,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 922,436,000 | 893,357,000 | 895,403,000 | 883,081,000 |
| Interest-bearing deposits | 674,389,000 | 644,779,000 | 637,834,000 | 634,935,000 |
| Noninterest-bearing deposits | 248,047,000 | 248,578,000 | 257,569,000 | 248,147,000 |
| Equity capital | 114,112,000 | 109,966,000 | 107,394,000 | 110,653,000 |
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 | 7,848,000 | 16,152,000 | 24,953,000 | 34,678,000 |
| Interest expense | 326,000 | 667,000 | 1,253,000 | 2,300,000 |
| Net interest income | 7,522,000 | 15,485,000 | 23,700,000 | 32,378,000 |
| Noninterest income | 1,448,000 | 2,775,000 | 4,157,000 | 5,374,000 |
| Noninterest expense | 5,424,000 | 10,280,000 | 15,409,000 | 20,665,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 150,000 |
| Pretax income | 3,546,000 | 7,987,000 | 12,380,000 | 16,944,000 |
| Income tax | 807,000 | 1,888,000 | 2,955,000 | 4,089,000 |
| Net income | 2,739,000 | 6,099,000 | 9,425,000 | 12,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,220,000 | 124,820,000 | 128,146,000 | 129,736,000 |