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 | 225,034,000 | 217,304,000 | 230,311,000 | 236,135,000 |
| Total loans | 149,820,000 | 159,310,000 | 165,882,000 | 155,119,000 |
| Allowance for loan losses | 1,074,000 | 1,105,000 | 1,135,000 | 1,163,000 |
| Securities available for sale | 30,367,000 | 24,778,000 | 24,354,000 | 26,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,264,000 | 187,766,000 | 199,828,000 | 206,354,000 |
| Interest-bearing deposits | 141,689,000 | 139,017,000 | 144,011,000 | 153,920,000 |
| Noninterest-bearing deposits | 54,575,000 | 48,749,000 | 55,817,000 | 52,434,000 |
| Equity capital | 20,797,000 | 21,205,000 | 21,697,000 | 22,904,000 |
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 | 3,148,000 | 6,709,000 | 10,528,000 | 14,608,000 |
| Interest expense | 825,000 | 1,888,000 | 3,066,000 | 4,400,000 |
| Net interest income | 2,323,000 | 4,821,000 | 7,462,000 | 10,208,000 |
| Noninterest income | 91,000 | 206,000 | 314,000 | 422,000 |
| Noninterest expense | 1,188,000 | 2,290,000 | 3,521,000 | 4,847,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,196,000 | 2,677,000 | 4,165,000 | 5,663,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,196,000 | 2,677,000 | 4,165,000 | 5,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,635,000 | 23,241,000 | 23,794,000 | 24,408,000 |
| Total capital | 23,709,000 | 24,345,000 | 24,929,000 | 25,570,000 |
| Risk-weighted assets | 153,869,000 | 171,425,000 | 179,657,000 | 169,490,000 |