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 | 180,858,000 | 184,192,000 | 188,147,000 | 195,676,000 |
| Total loans | 145,182,000 | 153,488,000 | 158,109,000 | 165,845,000 |
| Allowance for loan losses | 1,660,000 | 1,667,000 | 1,650,000 | 1,615,000 |
| Securities available for sale | 12,302,000 | 11,643,000 | 10,918,000 | 10,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,359,000 | 163,669,000 | 167,688,000 | 167,302,000 |
| Interest-bearing deposits | 126,440,000 | 136,069,000 | 138,361,000 | 140,623,000 |
| Noninterest-bearing deposits | 31,919,000 | 27,600,000 | 29,327,000 | 26,679,000 |
| Equity capital | 16,269,000 | 16,209,000 | 16,142,000 | 16,071,000 |
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 | 1,634,000 | 3,422,000 | 5,301,000 | 7,334,000 |
| Interest expense | 215,000 | 472,000 | 740,000 | 1,076,000 |
| Net interest income | 1,419,000 | 2,950,000 | 4,561,000 | 6,258,000 |
| Noninterest income | 345,000 | 668,000 | 926,000 | 1,168,000 |
| Noninterest expense | 1,353,000 | 2,717,000 | 4,118,000 | 5,501,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 411,000 | 901,000 | 1,369,000 | 1,925,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 411,000 | 901,000 | 1,369,000 | 1,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,343,000 | 16,548,000 | 16,866,000 | 16,597,000 |
| Total capital | 17,895,000 | 18,173,000 | 18,516,000 | 18,212,000 |
| Risk-weighted assets | 124,059,000 | 129,991,000 | 135,431,000 | 141,587,000 |