Call reports 2022
CITIZENS BANK — 2022
What CITIZENS BANK 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 | 1,078,316,000 | 1,089,015,000 | 1,142,320,000 | 1,188,606,000 |
| Total loans | 816,540,000 | 854,483,000 | 933,000,000 | 975,000,000 |
| Allowance for loan losses | 9,258,000 | 7,643,000 | 7,612,000 | 7,019,000 |
| Securities available for sale | 130,643,000 | 117,078,000 | 105,875,000 | 98,637,000 |
| Securities held to maturity | 11,436,000 | 39,719,000 | 46,449,000 | 46,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 915,809,000 | 921,506,000 | 911,410,000 | 966,911,000 |
| Interest-bearing deposits | 722,668,000 | 722,348,000 | 704,785,000 | 774,144,000 |
| Noninterest-bearing deposits | 193,141,000 | 199,158,000 | 206,625,000 | 192,767,000 |
| Equity capital | 137,931,000 | 141,267,000 | 143,129,000 | 146,601,000 |
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 | 11,377,000 | 23,774,000 | 38,311,000 | 54,960,000 |
| Interest expense | 703,000 | 1,426,000 | 2,726,000 | 5,779,000 |
| Net interest income | 10,674,000 | 22,348,000 | 35,585,000 | 49,181,000 |
| Noninterest income | 6,922,000 | 13,297,000 | 19,530,000 | 23,506,000 |
| Noninterest expense | 9,709,000 | 19,733,000 | 29,455,000 | 39,419,000 |
| Provision for loan losses | 0 | -1,406,000 | -1,363,000 | -1,280,000 |
| Pretax income | 7,772,000 | 17,146,000 | 26,747,000 | 34,317,000 |
| Income tax | 270,000 | 713,000 | 1,110,000 | 1,129,000 |
| Net income | 6,506,000 | 15,233,000 | 23,695,000 | 30,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,012,000 | 136,759,000 | 140,373,000 | 143,693,000 |
| Total capital | 142,270,000 | 144,402,000 | 147,985,000 | 150,712,000 |
| Risk-weighted assets | 995,121,000 | 1,026,289,000 | 1,021,400,000 | 1,189,963,000 |