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 | 627,546,000 | 633,993,000 | 631,134,000 | 637,555,000 |
| Total loans | 357,607,000 | 349,929,000 | 338,633,000 | 333,882,000 |
| Allowance for loan losses | 4,785,000 | 4,648,000 | 4,562,000 | 4,364,000 |
| Securities available for sale | 105,095,000 | 107,294,000 | 108,859,000 | 125,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,995,000 | 567,839,000 | 566,432,000 | 572,817,000 |
| Interest-bearing deposits | 411,032,000 | 421,589,000 | 413,925,000 | 412,563,000 |
| Noninterest-bearing deposits | 151,963,000 | 146,250,000 | 152,507,000 | 160,254,000 |
| Equity capital | 61,842,000 | 62,494,000 | 62,207,000 | 61,831,000 |
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 | 4,428,000 | 8,630,000 | 12,919,000 | 17,178,000 |
| Interest expense | 306,000 | 559,000 | 785,000 | 1,004,000 |
| Net interest income | 4,122,000 | 8,071,000 | 12,134,000 | 16,174,000 |
| Noninterest income | 1,596,000 | 2,769,000 | 3,849,000 | 4,934,000 |
| Noninterest expense | 3,759,000 | 7,603,000 | 11,463,000 | 15,846,000 |
| Provision for loan losses | 51,000 | -99,000 | -199,000 | -397,000 |
| Pretax income | 1,908,000 | 3,336,000 | 4,719,000 | 5,659,000 |
| Income tax | 407,000 | 690,000 | 960,000 | 1,112,000 |
| Net income | 1,501,000 | 2,646,000 | 3,759,000 | 4,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,781,000 | 58,108,000 | 58,444,000 | 57,634,000 |
| Total capital | 62,566,000 | 62,756,000 | 63,006,000 | 61,998,000 |
| Risk-weighted assets | 388,265,000 | 396,060,000 | 389,256,000 | 387,781,000 |