Call reports 2019
CITIZENS BANK — 2019
What CITIZENS BANK 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 | 233,909,000 | 224,413,000 | 229,913,000 | 225,111,000 |
| Total loans | 192,207,000 | 192,757,000 | 197,591,000 | 197,143,000 |
| Allowance for loan losses | 3,741,000 | 3,917,000 | 4,220,000 | 4,521,000 |
| Securities available for sale | 18,797,000 | 19,711,000 | 19,691,000 | 17,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,692,000 | 184,317,000 | 189,023,000 | 184,210,000 |
| Interest-bearing deposits | 139,151,000 | 138,558,000 | 139,758,000 | 136,202,000 |
| Noninterest-bearing deposits | 48,541,000 | 45,760,000 | 49,264,000 | 48,008,000 |
| Equity capital | 25,910,000 | 26,346,000 | 26,990,000 | 27,190,000 |
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 | 2,492,000 | 5,128,000 | 7,778,000 | 10,399,000 |
| Interest expense | 439,000 | 952,000 | 1,456,000 | 1,964,000 |
| Net interest income | 2,053,000 | 4,176,000 | 6,322,000 | 8,435,000 |
| Noninterest income | 262,000 | 562,000 | 957,000 | 1,293,000 |
| Noninterest expense | 1,470,000 | 3,096,000 | 4,579,000 | 6,289,000 |
| Provision for loan losses | 150,000 | 325,000 | 600,000 | 900,000 |
| Pretax income | 695,000 | 1,317,000 | 2,100,000 | 2,539,000 |
| Income tax | 134,000 | 253,000 | 407,000 | 484,000 |
| Net income | 561,000 | 1,064,000 | 1,693,000 | 2,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,972,000 | 26,316,000 | 26,945,000 | 27,143,000 |
| Total capital | 28,750,000 | 29,049,000 | 29,868,000 | 30,138,000 |
| Risk-weighted assets | 221,316,000 | 217,461,000 | 232,509,000 | 238,068,000 |
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