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 | 226,279,000 | 228,143,000 | 220,822,000 | 224,256,000 |
| Total loans | 126,433,000 | 125,881,000 | 133,403,000 | 141,236,000 |
| Allowance for loan losses | 960,000 | 986,000 | 1,014,000 | 1,043,000 |
| Securities available for sale | 40,276,000 | 39,008,000 | 37,938,000 | 37,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,669,000 | 203,384,000 | 196,466,000 | 197,034,000 |
| Interest-bearing deposits | 150,578,000 | 147,084,000 | 141,948,000 | 144,189,000 |
| Noninterest-bearing deposits | 49,091,000 | 56,300,000 | 54,518,000 | 52,845,000 |
| Equity capital | 19,879,000 | 19,372,000 | 19,142,000 | 19,763,000 |
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 | 1,823,000 | 3,741,000 | 6,136,000 | 9,017,000 |
| Interest expense | 109,000 | 257,000 | 563,000 | 1,144,000 |
| Net interest income | 1,714,000 | 3,484,000 | 5,573,000 | 7,873,000 |
| Noninterest income | 129,000 | 230,000 | 343,000 | 440,000 |
| Noninterest expense | 968,000 | 2,070,000 | 3,234,000 | 4,450,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 845,000 | 1,584,000 | 2,592,000 | 3,743,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 845,000 | 1,584,000 | 2,592,000 | 3,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,984,000 | 21,238,000 | 21,651,000 | 22,141,000 |
| Total capital | 21,944,000 | 22,224,000 | 22,665,000 | 23,184,000 |
| Risk-weighted assets | 142,144,000 | 139,458,000 | 146,732,000 | 153,940,000 |