Call reports 2022
CITIZENS BANK, NATIONAL ASSOCIATION — 2022
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 131,417,000 | 124,619,000 | 130,801,000 | 131,143,000 |
| Total loans | 64,217,000 | 65,825,000 | 72,200,000 | 74,259,000 |
| Allowance for loan losses | 1,188,000 | 1,189,000 | 1,189,000 | 1,188,000 |
| Securities available for sale | 37,473,000 | 42,739,000 | 43,298,000 | 43,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,572,000 | 111,466,000 | 117,951,000 | 116,535,000 |
| Interest-bearing deposits | 56,630,000 | 55,274,000 | 58,209,000 | 57,079,000 |
| Noninterest-bearing deposits | 59,942,000 | 56,192,000 | 59,742,000 | 59,456,000 |
| Equity capital | 14,677,000 | 12,900,000 | 12,533,000 | 13,474,000 |
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 | 990,000 | 2,045,000 | 3,276,000 | 4,589,000 |
| Interest expense | 19,000 | 38,000 | 87,000 | 264,000 |
| Net interest income | 971,000 | 2,007,000 | 3,189,000 | 4,325,000 |
| Noninterest income | 88,000 | 186,000 | 328,000 | 428,000 |
| Noninterest expense | 631,000 | 1,301,000 | 2,003,000 | 2,690,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 427,000 | 891,000 | 1,513,000 | 2,062,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 427,000 | 891,000 | 1,513,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,393,000 | 11,457,000 | 11,529,000 | 11,778,000 |
| Total capital | — | 12,560,000 | 12,689,000 | 12,950,000 |
| Risk-weighted assets | — | 88,185,000 | 92,771,000 | 93,781,000 |