Call reports 2021
CITIZENS BANK — 2021
What CITIZENS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,060,510,000 | 1,066,648,000 | 1,040,418,000 | 1,068,428,000 |
| Total loans | 838,254,000 | 840,683,000 | 827,369,000 | 826,066,000 |
| Allowance for loan losses | 10,702,000 | 10,902,000 | 11,085,000 | 9,263,000 |
| Securities available for sale | 148,927,000 | 140,936,000 | 125,716,000 | 127,681,000 |
| Securities held to maturity | 11,422,000 | 11,426,000 | 11,429,000 | 11,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,993,000 | 915,558,000 | 894,823,000 | 909,495,000 |
| Interest-bearing deposits | 754,272,000 | 741,854,000 | 706,511,000 | 732,894,000 |
| Noninterest-bearing deposits | 170,721,000 | 173,704,000 | 188,312,000 | 176,601,000 |
| Equity capital | 125,330,000 | 130,279,000 | 133,573,000 | 135,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,711,000 | 24,179,000 | 37,099,000 | 48,678,000 |
| Interest expense | 1,015,000 | 1,905,000 | 2,739,000 | 3,523,000 |
| Net interest income | 10,696,000 | 22,274,000 | 34,360,000 | 45,155,000 |
| Noninterest income | 5,256,000 | 13,192,000 | 18,755,000 | 25,580,000 |
| Noninterest expense | 8,291,000 | 18,102,000 | 27,490,000 | 37,472,000 |
| Provision for loan losses | 660,000 | 660,000 | 720,000 | -718,000 |
| Pretax income | 6,980,000 | 16,714,000 | 25,015,000 | 34,483,000 |
| Income tax | 250,000 | 660,000 | 960,000 | 1,273,000 |
| Net income | 6,226,000 | 14,282,000 | 21,277,000 | 28,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,235,000 | 123,748,000 | 127,421,000 | 131,170,000 |
| Total capital | 129,889,000 | 133,833,000 | 137,213,000 | 140,433,000 |
| Risk-weighted assets | 852,226,000 | 805,865,000 | 782,143,000 | 1,013,456,000 |