Call reports 2022
CITIZENS BANK COMPANY, THE — 2022
What CITIZENS BANK COMPANY, THE 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 | 293,916,000 | 299,676,000 | 305,252,000 | 313,555,000 |
| Total loans | 181,465,000 | 185,747,000 | 191,623,000 | 192,976,000 |
| Allowance for loan losses | 5,313,000 | 5,431,000 | 5,641,000 | 5,754,000 |
| Securities available for sale | 89,260,000 | 95,297,000 | 69,058,000 | 75,380,000 |
| Securities held to maturity | 0 | 0 | 25,806,000 | 26,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,696,000 | 264,303,000 | 269,000,000 | 270,824,000 |
| Interest-bearing deposits | 195,908,000 | 201,698,000 | 202,873,000 | 204,308,000 |
| Noninterest-bearing deposits | 65,788,000 | 62,605,000 | 66,127,000 | 66,516,000 |
| Equity capital | 31,408,000 | 25,787,000 | 24,519,000 | 27,591,000 |
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 | 2,755,000 | 5,666,000 | 8,732,000 | 11,897,000 |
| Interest expense | 227,000 | 475,000 | 757,000 | 1,369,000 |
| Net interest income | 2,528,000 | 5,191,000 | 7,975,000 | 10,528,000 |
| Noninterest income | 270,000 | 571,000 | 875,000 | 1,115,000 |
| Noninterest expense | 1,597,000 | 3,127,000 | 4,706,000 | 6,444,000 |
| Provision for loan losses | 110,000 | 230,000 | 490,000 | 592,000 |
| Pretax income | 1,091,000 | 2,405,000 | 3,710,000 | 4,648,000 |
| Income tax | 180,000 | 400,000 | 680,000 | 560,000 |
| Net income | 911,000 | 2,005,000 | 3,030,000 | 4,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,255,000 | 35,157,000 | 35,987,000 | 36,558,000 |