Call reports 2023
CITIZENS BANK — 2023
What CITIZENS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 193,656,000 | 190,165,000 | 186,167,000 | 190,578,000 |
| Total loans | 140,117,000 | 141,903,000 | 143,683,000 | 146,912,000 |
| Allowance for loan losses | 1,461,000 | 1,508,000 | 1,544,000 | 1,623,000 |
| Securities available for sale | 31,120,000 | 26,703,000 | 24,375,000 | 22,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,079,000 | 170,593,000 | 167,708,000 | 166,555,000 |
| Interest-bearing deposits | 116,023,000 | 112,648,000 | 107,301,000 | 105,963,000 |
| Noninterest-bearing deposits | 63,056,000 | 57,945,000 | 60,407,000 | 60,592,000 |
| Equity capital | 14,380,000 | 14,407,000 | 14,353,000 | 17,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,421,000 | 5,061,000 | 7,874,000 | 10,888,000 |
| Interest expense | 331,000 | 702,000 | 1,183,000 | 1,695,000 |
| Net interest income | 2,090,000 | 4,359,000 | 6,691,000 | 9,193,000 |
| Noninterest income | 386,000 | 561,000 | 760,000 | 936,000 |
| Noninterest expense | 1,330,000 | 2,694,000 | 4,176,000 | 5,811,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,086,000 | 2,106,000 | 3,095,000 | 4,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,086,000 | 2,106,000 | 3,095,000 | 4,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,475,000 | 14,619,000 | 14,557,000 | 17,078,000 |
| Total capital | 15,936,000 | 16,127,000 | 16,101,000 | 18,701,000 |
| Risk-weighted assets | 141,878,000 | 145,918,000 | 145,569,000 | 145,230,000 |