Call reports 2021
CITIZENS BANK COMPANY, THE — 2021
What CITIZENS BANK COMPANY, THE 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 | 286,606,000 | 297,363,000 | 293,448,000 | 293,554,000 |
| Total loans | 185,724,000 | 185,292,000 | 182,108,000 | 185,108,000 |
| Allowance for loan losses | 4,710,000 | 4,904,000 | 5,002,000 | 5,203,000 |
| Securities available for sale | 73,295,000 | 84,395,000 | 90,622,000 | 95,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,402,000 | 261,319,000 | 257,034,000 | 253,312,000 |
| Interest-bearing deposits | 186,871,000 | 191,838,000 | 190,428,000 | 187,967,000 |
| Noninterest-bearing deposits | 65,531,000 | 69,481,000 | 66,606,000 | 65,345,000 |
| Equity capital | 33,964,000 | 35,502,000 | 35,690,000 | 36,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,464,000 | 8,358,000 | 11,192,000 |
| Interest expense | 247,000 | 504,000 | 754,000 | 1,005,000 |
| Net interest income | 2,472,000 | 4,960,000 | 7,604,000 | 10,187,000 |
| Noninterest income | 238,000 | 512,000 | 795,000 | 1,079,000 |
| Noninterest expense | 1,669,000 | 3,268,000 | 4,884,000 | 6,802,000 |
| Provision for loan losses | 110,000 | 310,000 | 370,000 | 570,000 |
| Pretax income | 931,000 | 1,894,000 | 3,166,000 | 3,917,000 |
| Income tax | 180,000 | 390,000 | 690,000 | 550,000 |
| Net income | 751,000 | 1,504,000 | 2,476,000 | 3,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,835,000 | 32,441,000 | 32,908,000 | 33,509,000 |