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 | 115,495,000 | 115,631,000 | 151,629,000 | 151,033,000 |
| Total loans | 101,466,000 | 102,857,000 | 125,534,000 | 122,674,000 |
| Allowance for loan losses | 981,000 | 1,015,000 | 942,000 | 937,000 |
| Securities available for sale | 510,000 | 507,000 | 2,064,000 | 2,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,566,000 | 103,649,000 | 136,668,000 | 135,525,000 |
| Interest-bearing deposits | 72,967,000 | 72,881,000 | 98,311,000 | 96,808,000 |
| Noninterest-bearing deposits | 30,599,000 | 30,768,000 | 38,357,000 | 38,717,000 |
| Equity capital | 10,314,000 | 9,647,000 | 13,252,000 | 13,870,000 |
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 | 1,624,000 | 3,285,000 | 5,982,000 | 8,053,000 |
| Interest expense | 185,000 | 369,000 | 716,000 | 950,000 |
| Net interest income | 1,439,000 | 2,916,000 | 5,266,000 | 7,103,000 |
| Noninterest income | 154,000 | 308,000 | 580,000 | 725,000 |
| Noninterest expense | 1,020,000 | 2,031,000 | 3,670,000 | 4,884,000 |
| Provision for loan losses | 36,000 | 69,000 | 121,000 | 252,000 |
| Pretax income | 537,000 | 1,124,000 | 2,074,000 | 2,711,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 10,000 |
| Net income | 535,000 | 1,119,000 | 2,066,000 | 2,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,300,000 | 9,632,000 | 12,517,000 | 13,160,000 |
| Total capital | 11,281,000 | 10,647,000 | 13,459,000 | 14,097,000 |
| Risk-weighted assets | 92,689,000 | 94,674,000 | 120,187,000 | 114,333,000 |