Call reports 2019
CITIZENS BANK, NATIONAL ASSOCIATION — 2019
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 106,700,000 | 108,847,000 | 106,883,000 | 107,180,000 |
| Total loans | 72,892,000 | 74,216,000 | 75,887,000 | 73,206,000 |
| Allowance for loan losses | 1,145,000 | 1,147,000 | 1,147,000 | 1,150,000 |
| Securities available for sale | 19,403,000 | 18,438,000 | 18,995,000 | 19,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,060,000 | 87,986,000 | 87,770,000 | 87,331,000 |
| Interest-bearing deposits | 54,092,000 | 54,243,000 | 54,227,000 | 52,273,000 |
| Noninterest-bearing deposits | 31,968,000 | 33,743,000 | 33,543,000 | 35,058,000 |
| Equity capital | 13,971,000 | 14,549,000 | 14,656,000 | 14,699,000 |
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 | 1,146,000 | 2,338,000 | 3,552,000 | 4,759,000 |
| Interest expense | 161,000 | 330,000 | 475,000 | 606,000 |
| Net interest income | 985,000 | 2,008,000 | 3,077,000 | 4,153,000 |
| Noninterest income | 106,000 | 206,000 | 354,000 | 502,000 |
| Noninterest expense | 635,000 | 1,264,000 | 1,895,000 | 2,541,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 456,000 | 1,047,000 | 1,630,000 | 2,208,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 456,000 | 1,047,000 | 1,630,000 | 2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,688,000 | 9,949,000 | 9,933,000 | 9,911,000 |
| Total capital | 10,705,000 | 10,974,000 | 10,964,000 | 10,916,000 |
| Risk-weighted assets | 81,236,000 | 81,886,000 | 82,360,000 | 80,274,000 |