Call reports 2019
CITIZENS BANK COMPANY, THE — 2019
What CITIZENS BANK COMPANY, THE 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 | 223,613,000 | 222,337,000 | 227,954,000 | 226,887,000 |
| Total loans | 158,398,000 | 166,496,000 | 168,954,000 | 170,627,000 |
| Allowance for loan losses | 3,516,000 | 3,613,000 | 3,785,000 | 4,107,000 |
| Securities available for sale | 44,318,000 | 42,951,000 | 45,430,000 | 42,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,395,000 | 184,033,000 | 190,722,000 | 190,713,000 |
| Interest-bearing deposits | 141,482,000 | 141,030,000 | 145,841,000 | 143,475,000 |
| Noninterest-bearing deposits | 39,913,000 | 43,003,000 | 44,881,000 | 47,238,000 |
| Equity capital | 28,726,000 | 29,668,000 | 30,624,000 | 30,625,000 |
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 | 2,399,000 | 4,878,000 | 7,478,000 | 10,119,000 |
| Interest expense | 198,000 | 433,000 | 748,000 | 1,062,000 |
| Net interest income | 2,201,000 | 4,445,000 | 6,730,000 | 9,057,000 |
| Noninterest income | 245,000 | 493,000 | 738,000 | 975,000 |
| Noninterest expense | 1,499,000 | 2,979,000 | 4,506,000 | 6,208,000 |
| Provision for loan losses | 45,000 | 145,000 | 355,000 | 692,000 |
| Pretax income | 902,000 | 1,817,000 | 2,615,000 | 3,140,000 |
| Income tax | 240,000 | 480,000 | 620,000 | 525,000 |
| Net income | 662,000 | 1,337,000 | 1,995,000 | 2,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,937,000 | 28,455,000 | 29,050,000 | 29,261,000 |
| Total capital | 29,898,000 | 30,470,000 | 31,065,000 | 31,204,000 |
| Risk-weighted assets | 155,352,000 | 159,646,000 | 159,483,000 | 153,354,000 |
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