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 | 53,810,000 | 49,738,000 | 55,111,000 | 50,726,000 |
| Total loans | 27,960,000 | 28,296,000 | 28,232,000 | 29,414,000 |
| Allowance for loan losses | 243,000 | 253,000 | 253,000 | 400,000 |
| Securities available for sale | 17,924,000 | 16,239,000 | 15,732,000 | 15,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,667,000 | 41,843,000 | 47,009,000 | 42,514,000 |
| Interest-bearing deposits | 35,466,000 | 31,668,000 | 36,254,000 | 31,969,000 |
| Noninterest-bearing deposits | 10,201,000 | 10,175,000 | 10,755,000 | 10,545,000 |
| Equity capital | 4,336,000 | 4,632,000 | 4,654,000 | 4,666,000 |
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 | 496,000 | 1,016,000 | 1,530,000 | 2,063,000 |
| Interest expense | 111,000 | 209,000 | 306,000 | 405,000 |
| Net interest income | 385,000 | 807,000 | 1,224,000 | 1,658,000 |
| Noninterest income | 63,000 | 131,000 | 227,000 | 325,000 |
| Noninterest expense | 301,000 | 599,000 | 943,000 | 1,308,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 176,000 |
| Pretax income | 147,000 | 329,000 | 498,000 | 499,000 |
| Income tax | 0 | 6,000 | 10,000 | 15,000 |
| Net income | 147,000 | 323,000 | 488,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,449,000 | 4,565,000 | 4,610,000 | 4,606,000 |
| Total capital | 4,692,000 | 4,818,000 | 4,863,000 | 4,997,000 |
| Risk-weighted assets | 29,931,000 | 30,776,000 | 30,917,000 | 31,293,000 |