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 | 142,735,000 | 144,969,000 | 145,337,000 | 144,269,000 |
| Total loans | 114,668,000 | 117,531,000 | 114,587,000 | 115,728,000 |
| Allowance for loan losses | 1,068,000 | 1,030,000 | 1,056,000 | 965,000 |
| Securities available for sale | 9,879,000 | 9,576,000 | 11,195,000 | 10,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,338,000 | 117,304,000 | 118,912,000 | 117,383,000 |
| Interest-bearing deposits | 104,131,000 | 102,196,000 | 103,406,000 | 103,369,000 |
| Noninterest-bearing deposits | 15,207,000 | 15,108,000 | 15,506,000 | 14,014,000 |
| Equity capital | 15,452,000 | 15,653,000 | 15,941,000 | 15,576,000 |
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 | 1,650,000 | 3,401,000 | 5,192,000 | 6,967,000 |
| Interest expense | 295,000 | 620,000 | 963,000 | 1,313,000 |
| Net interest income | 1,355,000 | 2,781,000 | 4,229,000 | 5,654,000 |
| Noninterest income | 290,000 | 580,000 | 837,000 | 1,085,000 |
| Noninterest expense | 1,302,000 | 2,634,000 | 3,908,000 | 5,077,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 290,000 |
| Pretax income | 283,000 | 607,000 | 958,000 | 1,372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 283,000 | 607,000 | 958,000 | 1,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,888,000 | 15,024,000 | 15,315,000 | 14,979,000 |
| Total capital | 15,956,000 | 16,054,000 | 16,371,000 | 15,944,000 |
| Risk-weighted assets | 104,613,000 | 105,220,000 | 102,995,000 | 103,373,000 |