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 | 202,784,000 | 205,251,000 | 207,013,000 | 209,817,000 |
| Total loans | 168,910,000 | 168,073,000 | 171,606,000 | 175,802,000 |
| Allowance for loan losses | 2,119,000 | 2,131,000 | 2,105,000 | 2,104,000 |
| Securities available for sale | 10,677,000 | 10,344,000 | 9,968,000 | 10,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,717,000 | 176,191,000 | 177,539,000 | 180,293,000 |
| Interest-bearing deposits | 145,741,000 | 148,605,000 | 152,778,000 | 153,632,000 |
| Noninterest-bearing deposits | 27,976,000 | 27,586,000 | 24,761,000 | 26,661,000 |
| Equity capital | 15,844,000 | 16,220,000 | 16,591,000 | 16,611,000 |
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 | 2,164,000 | 4,536,000 | 7,059,000 | 9,680,000 |
| Interest expense | 489,000 | 1,104,000 | 1,876,000 | 2,783,000 |
| Net interest income | 1,675,000 | 3,432,000 | 5,183,000 | 6,897,000 |
| Noninterest income | 272,000 | 563,000 | 875,000 | 1,271,000 |
| Noninterest expense | 1,462,000 | 2,953,000 | 4,444,000 | 6,015,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 465,000 | 1,022,000 | 1,594,000 | 2,133,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 465,000 | 1,022,000 | 1,594,000 | 2,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,282,000 | 16,737,000 | 17,243,000 | 16,957,000 |
| Total capital | 18,078,000 | 18,543,000 | 19,107,000 | 18,862,000 |
| Risk-weighted assets | 143,381,000 | 144,178,000 | 148,943,000 | 152,274,000 |
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