Call reports 2022
CITIZENS BANK — 2022
What CITIZENS BANK 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 | 281,398,000 | 276,082,000 | 279,329,000 | 301,621,000 |
| Total loans | 216,639,000 | 231,821,000 | 241,379,000 | 267,421,000 |
| Allowance for loan losses | 4,911,000 | 4,915,000 | 4,910,000 | 4,916,000 |
| Securities available for sale | 7,420,000 | 7,522,000 | 7,348,000 | 8,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,981,000 | 232,679,000 | 235,033,000 | 256,380,000 |
| Interest-bearing deposits | 161,163,000 | 154,008,000 | 149,971,000 | 176,060,000 |
| Noninterest-bearing deposits | 77,818,000 | 78,671,000 | 85,062,000 | 80,320,000 |
| Equity capital | 32,890,000 | 33,888,000 | 34,692,000 | 35,608,000 |
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 | 2,331,000 | 4,856,000 | 7,758,000 | 11,146,000 |
| Interest expense | 286,000 | 545,000 | 812,000 | 1,372,000 |
| Net interest income | 2,045,000 | 4,311,000 | 6,946,000 | 9,774,000 |
| Noninterest income | 355,000 | 1,114,000 | 1,402,000 | 1,621,000 |
| Noninterest expense | 1,774,000 | 3,465,000 | 5,328,000 | 7,276,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 626,000 | 1,960,000 | 3,020,000 | 4,119,000 |
| Income tax | 124,000 | 401,000 | 620,000 | 847,000 |
| Net income | 502,000 | 1,559,000 | 2,400,000 | 3,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,936,000 | 33,993,000 | 34,834,000 | 35,706,000 |
| Total capital | 36,052,000 | 37,327,000 | 38,240,000 | 39,466,000 |
| Risk-weighted assets | 247,492,000 | 265,154,000 | 270,995,000 | 299,653,000 |