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 | 160,331,000 | 161,910,000 | 170,333,000 | 181,167,000 |
| Total loans | 115,424,000 | 117,486,000 | 119,056,000 | 117,477,000 |
| Allowance for loan losses | 601,000 | 632,000 | 661,000 | 690,000 |
| Securities available for sale | 10,400,000 | 9,289,000 | 10,197,000 | 12,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,192,000 | 140,756,000 | 148,758,000 | 159,720,000 |
| Interest-bearing deposits | 112,239,000 | 112,977,000 | 118,047,000 | 122,897,000 |
| Noninterest-bearing deposits | 27,953,000 | 27,779,000 | 30,711,000 | 36,823,000 |
| Equity capital | 17,254,000 | 17,652,000 | 18,111,000 | 18,235,000 |
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 | 2,055,000 | 4,200,000 | 6,375,000 | 8,502,000 |
| Interest expense | 364,000 | 775,000 | 1,218,000 | 1,645,000 |
| Net interest income | 1,691,000 | 3,425,000 | 5,157,000 | 6,857,000 |
| Noninterest income | 107,000 | 236,000 | 713,000 | 845,000 |
| Noninterest expense | 877,000 | 1,823,000 | 2,801,000 | 3,983,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 891,000 | 1,778,000 | 2,979,000 | 3,599,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 891,000 | 1,778,000 | 2,979,000 | 3,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,286,000 | 17,619,000 | 18,070,000 | 18,194,000 |
| Total capital | 17,887,000 | 18,251,000 | 18,731,000 | 18,884,000 |
| Risk-weighted assets | 131,290,000 | 135,824,000 | 138,648,000 | 139,024,000 |