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 | 196,140,000 | 197,534,000 | 200,735,000 | 197,309,000 |
| Total loans | 127,491,000 | 130,858,000 | 131,896,000 | 141,159,000 |
| Allowance for loan losses | 1,274,000 | 1,300,000 | 1,338,000 | 1,402,000 |
| Securities available for sale | 19,120,000 | 27,752,000 | 34,576,000 | 33,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,478,000 | 184,147,000 | 187,432,000 | 177,293,000 |
| Interest-bearing deposits | 123,346,000 | 123,773,000 | 120,472,000 | 113,123,000 |
| Noninterest-bearing deposits | 59,131,000 | 60,375,000 | 66,961,000 | 64,170,000 |
| Equity capital | 13,548,000 | 13,267,000 | 13,157,000 | 13,841,000 |
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 | 1,695,000 | 3,488,000 | 5,549,000 | 7,721,000 |
| Interest expense | 152,000 | 312,000 | 515,000 | 752,000 |
| Net interest income | 1,543,000 | 3,176,000 | 5,034,000 | 6,969,000 |
| Noninterest income | 191,000 | 389,000 | 608,000 | 810,000 |
| Noninterest expense | 1,249,000 | 2,510,000 | 3,795,000 | 5,149,000 |
| Provision for loan losses | 40,000 | 65,000 | 85,000 | 145,000 |
| Pretax income | 445,000 | 990,000 | 1,762,000 | 2,485,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 445,000 | 990,000 | 1,762,000 | 2,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,258,000 | 13,098,000 | 13,592,000 | 14,090,000 |
| Total capital | 14,532,000 | 14,398,000 | 14,930,000 | 15,492,000 |
| Risk-weighted assets | 128,665,000 | 133,457,000 | 139,346,000 | 144,558,000 |