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 | 645,121,000 | 647,159,000 | 643,981,000 | 632,031,000 |
| Total loans | 327,114,000 | 330,454,000 | 349,678,000 | 372,148,000 |
| Allowance for loan losses | 4,394,000 | 4,335,000 | 4,628,000 | 4,785,000 |
| Securities available for sale | 125,246,000 | 153,860,000 | 182,671,000 | 199,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 588,074,000 | 593,351,000 | 595,814,000 | 578,798,000 |
| Interest-bearing deposits | 423,429,000 | 434,398,000 | 434,994,000 | 428,897,000 |
| Noninterest-bearing deposits | 164,645,000 | 158,953,000 | 160,820,000 | 149,901,000 |
| Equity capital | 55,775,000 | 50,748,000 | 46,422,000 | 50,777,000 |
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 | 4,126,000 | 8,655,000 | 13,991,000 | 20,242,000 |
| Interest expense | 201,000 | 404,000 | 658,000 | 1,030,000 |
| Net interest income | 3,925,000 | 8,251,000 | 13,333,000 | 19,212,000 |
| Noninterest income | 1,202,000 | 2,215,000 | 3,239,000 | 4,409,000 |
| Noninterest expense | 4,141,000 | 8,270,000 | 12,533,000 | 16,968,000 |
| Provision for loan losses | 30,000 | -27,000 | 306,000 | 483,000 |
| Pretax income | 956,000 | 2,223,000 | 3,733,000 | 6,170,000 |
| Income tax | 148,000 | 359,000 | 608,000 | 1,044,000 |
| Net income | 808,000 | 1,864,000 | 3,125,000 | 5,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,006,000 | 58,161,000 | 58,867,000 | 59,834,000 |
| Total capital | 63,400,000 | 62,497,000 | 63,495,000 | 64,619,000 |
| Risk-weighted assets | 394,045,000 | 401,366,000 | 428,022,000 | 454,433,000 |