Call reports 2020
CITIZENS BANK — 2020
What CITIZENS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 148,888,000 | 158,087,000 | 155,005,000 | 154,731,000 |
| Total loans | 118,169,000 | 124,125,000 | 125,443,000 | 122,834,000 |
| Allowance for loan losses | 1,051,000 | 1,100,000 | 1,162,000 | 1,505,000 |
| Securities available for sale | 9,528,000 | 6,230,000 | 7,906,000 | 7,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,808,000 | 130,774,000 | 129,204,000 | 132,268,000 |
| Interest-bearing deposits | 107,991,000 | 111,908,000 | 111,891,000 | 114,121,000 |
| Noninterest-bearing deposits | 13,817,000 | 18,866,000 | 17,313,000 | 18,147,000 |
| Equity capital | 15,976,000 | 16,533,000 | 16,879,000 | 15,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,708,000 | 3,647,000 | 5,384,000 | 7,067,000 |
| Interest expense | 358,000 | 705,000 | 1,035,000 | 1,338,000 |
| Net interest income | 1,350,000 | 2,942,000 | 4,349,000 | 5,729,000 |
| Noninterest income | 346,000 | 784,000 | 1,261,000 | 1,814,000 |
| Noninterest expense | 1,280,000 | 2,551,000 | 3,834,000 | 5,236,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 640,000 |
| Pretax income | 356,000 | 1,055,000 | 1,596,000 | 1,667,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 356,000 | 1,055,000 | 1,596,000 | 1,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,310,000 | 15,844,000 | 16,232,000 | 15,302,000 |
| Total capital | 16,361,000 | 16,944,000 | 17,394,000 | 16,637,000 |
| Risk-weighted assets | 105,049,000 | 106,555,000 | 113,509,000 | 106,657,000 |