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 | 487,818,000 | 485,714,000 | 488,444,000 | 486,622,000 |
| Total loans | 360,872,000 | 361,718,000 | 358,846,000 | 354,942,000 |
| Allowance for loan losses | 5,067,000 | 5,079,000 | 4,884,000 | 4,680,000 |
| Securities available for sale | 97,510,000 | 99,423,000 | 101,101,000 | 100,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,434,000 | 432,226,000 | 432,387,000 | 429,624,000 |
| Interest-bearing deposits | 308,308,000 | 338,774,000 | 334,714,000 | 332,119,000 |
| Noninterest-bearing deposits | 102,125,000 | 93,452,000 | 97,674,000 | 97,505,000 |
| Equity capital | 50,127,000 | 52,115,000 | 54,326,000 | 55,210,000 |
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 | 4,569,000 | 9,189,000 | 13,919,000 | 18,675,000 |
| Interest expense | 562,000 | 1,132,000 | 1,701,000 | 2,248,000 |
| Net interest income | 4,007,000 | 8,057,000 | 12,218,000 | 16,427,000 |
| Noninterest income | 915,000 | 1,760,000 | 2,772,000 | 3,813,000 |
| Noninterest expense | 3,268,000 | 6,703,000 | 10,087,000 | 13,554,000 |
| Provision for loan losses | 90,000 | 90,000 | -60,000 | -216,000 |
| Pretax income | 1,503,000 | 2,963,000 | 4,905,000 | 6,844,000 |
| Income tax | 336,000 | 648,000 | 1,078,000 | 1,505,000 |
| Net income | 1,167,000 | 2,315,000 | 3,827,000 | 5,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,174,000 | 50,119,000 | 51,407,000 | 52,615,000 |
| Total capital | 54,107,000 | 55,060,000 | 56,291,000 | 57,295,000 |
| Risk-weighted assets | 394,518,000 | 395,163,000 | 394,651,000 | 390,081,000 |
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