Call reports 2023
CITIZENS BANK, NATIONAL ASSOCIATION — 2023
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 135,022,000 | 135,279,000 | 139,166,000 | 137,175,000 |
| Total loans | 74,437,000 | 79,594,000 | 79,481,000 | 80,199,000 |
| Allowance for loan losses | 1,189,000 | 1,189,000 | 1,173,000 | 1,170,000 |
| Securities available for sale | 42,828,000 | 43,008,000 | 43,480,000 | 44,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,118,000 | 121,043,000 | 125,456,000 | 122,721,000 |
| Interest-bearing deposits | 69,212,000 | 74,290,000 | 77,836,000 | 76,760,000 |
| Noninterest-bearing deposits | 51,906,000 | 46,753,000 | 47,620,000 | 45,961,000 |
| Equity capital | 13,671,000 | 13,848,000 | 13,252,000 | 14,165,000 |
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 | 1,373,000 | 2,974,000 | 4,538,000 | 6,178,000 |
| Interest expense | 248,000 | 698,000 | 1,194,000 | 1,777,000 |
| Net interest income | 1,125,000 | 2,276,000 | 3,344,000 | 4,401,000 |
| Noninterest income | 115,000 | 218,000 | 319,000 | 416,000 |
| Noninterest expense | 739,000 | 1,487,000 | 2,231,000 | 2,935,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 501,000 | 1,006,000 | 1,431,000 | 1,881,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 501,000 | 1,006,000 | 1,431,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,880,000 | 12,183,000 | 12,209,000 | 12,159,000 |
| Total capital | 13,062,000 | 13,372,000 | 13,382,000 | 13,329,000 |
| Risk-weighted assets | 94,535,000 | 98,351,000 | 106,836,000 | 101,767,000 |