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 | 76,830,000 | 75,184,000 | 75,467,000 | 76,189,000 |
| Total loans | 40,368,000 | 39,349,000 | 36,482,000 | 36,354,000 |
| Allowance for loan losses | 302,000 | 323,000 | 345,000 | 366,000 |
| Securities available for sale | 17,519,000 | 18,403,000 | 19,232,000 | 19,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,087,000 | 65,059,000 | 64,953,000 | 65,922,000 |
| Interest-bearing deposits | 47,153,000 | 44,963,000 | 45,596,000 | 46,003,000 |
| Noninterest-bearing deposits | 19,934,000 | 20,096,000 | 19,357,000 | 19,919,000 |
| Equity capital | 9,300,000 | 9,630,000 | 9,924,000 | 9,738,000 |
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 | 820,000 | 1,673,000 | 2,485,000 | 3,284,000 |
| Interest expense | 83,000 | 174,000 | 270,000 | 368,000 |
| Net interest income | 737,000 | 1,499,000 | 2,215,000 | 2,916,000 |
| Noninterest income | 167,000 | 320,000 | 496,000 | 668,000 |
| Noninterest expense | 707,000 | 1,364,000 | 1,973,000 | 2,759,000 |
| Provision for loan losses | 12,000 | 41,000 | 71,000 | 98,000 |
| Pretax income | 185,000 | 414,000 | 667,000 | 727,000 |
| Income tax | -59,000 | -15,000 | 36,000 | 34,000 |
| Net income | 244,000 | 429,000 | 631,000 | 693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,152,000 | 9,395,000 | 9,613,000 | 9,421,000 |
| Total capital | 9,454,000 | 9,718,000 | 9,958,000 | 9,787,000 |
| Risk-weighted assets | 41,053,000 | 40,470,000 | 37,689,000 | 37,451,000 |
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