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 | 63,019,000 | 58,505,000 | 65,814,000 | 60,967,000 |
| Total loans | 27,943,000 | 28,258,000 | 28,177,000 | 29,177,000 |
| Allowance for loan losses | 542,000 | 545,000 | 546,000 | 809,000 |
| Securities available for sale | 20,763,000 | 20,793,000 | 19,497,000 | 17,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,965,000 | 52,132,000 | 59,822,000 | 55,560,000 |
| Interest-bearing deposits | 39,419,000 | 35,861,000 | 43,195,000 | 36,962,000 |
| Noninterest-bearing deposits | 17,546,000 | 16,271,000 | 16,627,000 | 18,598,000 |
| Equity capital | 4,545,000 | 4,853,000 | 4,761,000 | 4,537,000 |
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 | 392,000 | 772,000 | 1,204,000 | 1,637,000 |
| Interest expense | 72,000 | 122,000 | 160,000 | 206,000 |
| Net interest income | 320,000 | 650,000 | 1,044,000 | 1,431,000 |
| Noninterest income | 225,000 | 525,000 | 662,000 | 791,000 |
| Noninterest expense | 343,000 | 673,000 | 1,058,000 | 1,468,000 |
| Provision for loan losses | 0 | 0 | 0 | 260,000 |
| Pretax income | 202,000 | 502,000 | 648,000 | 494,000 |
| Income tax | 0 | 6,000 | 19,000 | 30,000 |
| Net income | 202,000 | 496,000 | 629,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,665,000 | 4,958,000 | 4,922,000 | 4,757,000 |
| Total capital | 5,140,000 | 5,385,000 | 5,384,000 | 5,240,000 |
| Risk-weighted assets | 37,946,000 | 34,090,000 | 36,907,000 | 38,366,000 |