Call reports 2019
CITIZENS BANK, THE — 2019
What CITIZENS BANK, THE 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 | 137,641,000 | 143,795,000 | 138,843,000 | 144,160,000 |
| Total loans | 99,352,000 | 99,634,000 | 99,426,000 | 96,381,000 |
| Allowance for loan losses | 1,155,000 | 1,186,000 | 1,190,000 | 1,258,000 |
| Securities available for sale | 26,385,000 | 26,891,000 | 27,190,000 | 28,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,581,000 | 121,681,000 | 119,009,000 | 124,538,000 |
| Interest-bearing deposits | 92,030,000 | 96,816,000 | 95,979,000 | 101,837,000 |
| Noninterest-bearing deposits | 22,551,000 | 24,865,000 | 23,030,000 | 22,701,000 |
| Equity capital | 16,855,000 | 17,773,000 | 18,149,000 | 18,255,000 |
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 | 1,579,000 | 3,268,000 | 5,002,000 | 6,628,000 |
| Interest expense | 419,000 | 870,000 | 1,342,000 | 1,788,000 |
| Net interest income | 1,160,000 | 2,398,000 | 3,660,000 | 4,840,000 |
| Noninterest income | 207,000 | 724,000 | 938,000 | 1,160,000 |
| Noninterest expense | 997,000 | 2,090,000 | 3,138,000 | 4,107,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 260,000 | 817,000 | 1,140,000 | 1,468,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 260,000 | 817,000 | 1,140,000 | 1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,946,000 | 17,477,000 | 17,736,000 | 17,943,000 |
| Total capital | 18,111,000 | 18,672,000 | 18,938,000 | 19,174,000 |
| Risk-weighted assets | 99,188,000 | 101,124,000 | 99,358,000 | 97,554,000 |