Call reports 2023
CITIZENS BANK — 2023
What CITIZENS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 303,420,000 | 312,663,000 | 320,255,000 | 319,752,000 |
| Total loans | 277,655,000 | 282,421,000 | 276,936,000 | 287,384,000 |
| Allowance for loan losses | 4,853,000 | 4,834,000 | 4,838,000 | 4,844,000 |
| Securities available for sale | 7,235,000 | 7,149,000 | 7,001,000 | 8,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,094,000 | 267,202,000 | 278,550,000 | 276,936,000 |
| Interest-bearing deposits | 183,052,000 | 190,167,000 | 202,154,000 | 203,953,000 |
| Noninterest-bearing deposits | 75,043,000 | 77,036,000 | 76,396,000 | 72,983,000 |
| Equity capital | 36,460,000 | 37,329,000 | 38,178,000 | 38,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,515,000 | 7,313,000 | 11,438,000 | 15,832,000 |
| Interest expense | 736,000 | 1,702,000 | 2,937,000 | 4,333,000 |
| Net interest income | 2,779,000 | 5,611,000 | 8,501,000 | 11,499,000 |
| Noninterest income | 221,000 | 448,000 | 726,000 | 925,000 |
| Noninterest expense | 1,925,000 | 3,845,000 | 5,913,000 | 8,179,000 |
| Provision for loan losses | 0 | -17,000 | -18,000 | -18,000 |
| Pretax income | 1,070,000 | 2,230,000 | 3,331,000 | 4,258,000 |
| Income tax | 221,000 | 463,000 | 691,000 | 881,000 |
| Net income | 849,000 | 1,767,000 | 2,640,000 | 3,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,530,000 | 37,449,000 | 38,320,000 | 39,058,000 |
| Total capital | 40,427,000 | 41,424,000 | 42,168,000 | 42,945,000 |
| Risk-weighted assets | 310,686,000 | 317,002,000 | 306,785,000 | 309,867,000 |
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