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 | 66,305,000 | 64,258,000 | 67,116,000 | 59,663,000 |
| Total loans | 27,921,000 | 30,513,000 | 33,253,000 | 36,133,000 |
| Allowance for loan losses | 333,000 | 335,000 | 309,000 | 585,000 |
| Securities available for sale | 20,391,000 | 20,580,000 | 19,280,000 | 21,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,014,000 | 60,665,000 | 64,908,000 | 57,004,000 |
| Interest-bearing deposits | 22,801,000 | 18,411,000 | 24,109,000 | 37,221,000 |
| Noninterest-bearing deposits | 40,213,000 | 42,254,000 | 40,799,000 | 19,783,000 |
| Equity capital | 3,246,000 | 2,702,000 | 2,152,000 | 2,330,000 |
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 | 446,000 | 977,000 | 1,494,000 | 2,076,000 |
| Interest expense | 45,000 | 92,000 | 146,000 | 170,000 |
| Net interest income | 401,000 | 885,000 | 1,348,000 | 1,906,000 |
| Noninterest income | 93,000 | 178,000 | 319,000 | 443,000 |
| Noninterest expense | 360,000 | 698,000 | 1,044,000 | 1,441,000 |
| Provision for loan losses | 0 | 0 | 47,000 | 327,000 |
| Pretax income | 134,000 | 365,000 | 576,000 | 581,000 |
| Income tax | 0 | 12,000 | 12,000 | 36,000 |
| Net income | 134,000 | 353,000 | 564,000 | 545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,596,000 | 4,814,000 | 5,025,000 | 5,007,000 |
| Total capital | 4,929,000 | 5,149,000 | 5,334,000 | 5,537,000 |
| Risk-weighted assets | 37,852,000 | 39,419,000 | 42,731,000 | 42,382,000 |