Call reports 2019
CITIZENS BANK — 2019
What CITIZENS BANK 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 | 884,456,000 | 915,535,000 | 865,493,000 | 859,865,000 |
| Total loans | 610,026,000 | 635,430,000 | 599,518,000 | 587,358,000 |
| Allowance for loan losses | 5,875,000 | 6,067,000 | 6,270,000 | 6,158,000 |
| Securities available for sale | 220,671,000 | 222,954,000 | 198,901,000 | 188,116,000 |
| Securities held to maturity | 9,287,000 | 9,287,000 | 9,289,000 | 9,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 710,211,000 | 707,620,000 | 717,115,000 | 708,062,000 |
| Interest-bearing deposits | 600,101,000 | 588,358,000 | 586,069,000 | 602,516,000 |
| Noninterest-bearing deposits | 110,110,000 | 119,262,000 | 131,046,000 | 105,546,000 |
| Equity capital | 110,708,000 | 114,200,000 | 116,030,000 | 114,633,000 |
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 | 10,644,000 | 21,917,000 | 32,973,000 | 43,599,000 |
| Interest expense | 2,140,000 | 4,590,000 | 6,905,000 | 8,891,000 |
| Net interest income | 8,504,000 | 17,327,000 | 26,068,000 | 34,708,000 |
| Noninterest income | 3,812,000 | 9,249,000 | 14,321,000 | 17,145,000 |
| Noninterest expense | 7,521,000 | 15,612,000 | 23,868,000 | 31,551,000 |
| Provision for loan losses | 203,000 | 617,000 | 1,056,000 | 2,387,000 |
| Pretax income | 4,625,000 | 10,466,000 | 15,649,000 | 18,102,000 |
| Income tax | 233,000 | 525,000 | 746,000 | 471,000 |
| Net income | 4,106,000 | 8,963,000 | 13,228,000 | 15,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,371,000 | 107,315,000 | 109,053,000 | 108,078,000 |
| Total capital | 106,246,000 | 113,382,000 | 115,323,000 | 114,236,000 |
| Risk-weighted assets | 661,809,000 | 679,767,000 | 716,569,000 | 674,434,000 |