Call reports 2019
CITIZENS' BANK, INC. — 2019
What CITIZENS' BANK, INC. 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 | 109,453,000 | 108,451,000 | 107,012,000 | 107,444,000 |
| Total loans | 74,940,000 | 74,531,000 | 72,533,000 | 69,658,000 |
| Allowance for loan losses | 979,000 | 984,000 | 950,000 | 939,000 |
| Securities available for sale | 19,471,000 | 18,741,000 | 21,620,000 | 19,920,000 |
| Securities held to maturity | 956,000 | 956,000 | 956,000 | 516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,831,000 | 94,458,000 | 92,858,000 | 93,223,000 |
| Interest-bearing deposits | 59,170,000 | 57,496,000 | 57,789,000 | 58,795,000 |
| Noninterest-bearing deposits | 36,661,000 | 36,962,000 | 35,070,000 | 34,429,000 |
| Equity capital | 13,027,000 | 13,392,000 | 13,491,000 | 13,573,000 |
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 | 1,167,000 | 2,378,000 | 3,504,000 | 4,700,000 |
| Interest expense | 100,000 | 219,000 | 341,000 | 461,000 |
| Net interest income | 1,067,000 | 2,159,000 | 3,163,000 | 4,239,000 |
| Noninterest income | 142,000 | 282,000 | 421,000 | 546,000 |
| Noninterest expense | 947,000 | 1,987,000 | 3,051,000 | 4,162,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 262,000 | 454,000 | 533,000 | 623,000 |
| Income tax | 5,000 | 10,000 | 15,000 | -6,000 |
| Net income | 257,000 | 444,000 | 518,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,184,000 | 13,371,000 | 13,445,000 | 13,556,000 |
| Total capital | 14,084,000 | 14,279,000 | 14,354,000 | 14,428,000 |
| Risk-weighted assets | 71,888,000 | 72,564,000 | 72,598,000 | 69,603,000 |