Call reports 2021
CITIZENS BANK — 2021
What CITIZENS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 218,492,000 | 214,572,000 | 219,322,000 | 221,291,000 |
| Total loans | 130,930,000 | 135,305,000 | 135,171,000 | 133,916,000 |
| Allowance for loan losses | 840,000 | 870,000 | 900,000 | 929,000 |
| Securities available for sale | 8,259,000 | 17,640,000 | 17,634,000 | 16,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,265,000 | 187,244,000 | 191,184,000 | 194,013,000 |
| Interest-bearing deposits | 145,742,000 | 142,188,000 | 143,375,000 | 149,669,000 |
| Noninterest-bearing deposits | 47,523,000 | 45,056,000 | 47,809,000 | 44,344,000 |
| Equity capital | 19,723,000 | 20,011,000 | 20,421,000 | 20,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,791,000 | 3,765,000 | 5,823,000 | 7,894,000 |
| Interest expense | 146,000 | 277,000 | 399,000 | 510,000 |
| Net interest income | 1,645,000 | 3,488,000 | 5,424,000 | 7,384,000 |
| Noninterest income | 119,000 | 226,000 | 339,000 | 442,000 |
| Noninterest expense | 899,000 | 1,925,000 | 2,947,000 | 4,266,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 835,000 | 1,729,000 | 2,726,000 | 3,440,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 835,000 | 1,729,000 | 2,726,000 | 3,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,625,000 | 19,988,000 | 20,381,000 | 20,619,000 |
| Total capital | 20,465,000 | 20,858,000 | 21,281,000 | 21,548,000 |
| Risk-weighted assets | 144,015,000 | 144,220,000 | 154,453,000 | 151,649,000 |