Call reports 2021
CITIZENS BANK — 2021
What CITIZENS BANK 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 | 270,907,000 | 273,927,000 | 271,966,000 | 273,759,000 |
| Total loans | 194,452,000 | 186,908,000 | 194,878,000 | 203,846,000 |
| Allowance for loan losses | 3,949,000 | 4,891,000 | 4,902,000 | 4,906,000 |
| Securities available for sale | 12,796,000 | 12,734,000 | 11,997,000 | 8,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,931,000 | 233,023,000 | 230,497,000 | 231,833,000 |
| Interest-bearing deposits | 157,430,000 | 159,251,000 | 156,917,000 | 152,754,000 |
| Noninterest-bearing deposits | 72,502,000 | 73,772,000 | 73,581,000 | 79,078,000 |
| Equity capital | 30,299,000 | 31,327,000 | 31,930,000 | 32,454,000 |
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 | 2,477,000 | 5,309,000 | 7,843,000 | 10,250,000 |
| Interest expense | 407,000 | 812,000 | 1,187,000 | 1,493,000 |
| Net interest income | 2,070,000 | 4,497,000 | 6,656,000 | 8,757,000 |
| Noninterest income | 618,000 | 1,176,000 | 1,568,000 | 1,943,000 |
| Noninterest expense | 1,699,000 | 3,404,000 | 5,143,000 | 6,954,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 839,000 | 2,119,000 | 2,903,000 | 3,568,000 |
| Income tax | 164,000 | 429,000 | 586,000 | 706,000 |
| Net income | 675,000 | 1,690,000 | 2,317,000 | 2,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,247,000 | 31,262,000 | 31,890,000 | 32,434,000 |
| Total capital | 33,448,000 | 34,515,000 | 35,055,000 | 35,692,000 |
| Risk-weighted assets | 255,348,000 | 258,636,000 | 251,461,000 | 259,012,000 |