Call reports 2020
CITIZENS BANK, THE — 2020
What CITIZENS BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 144,277,000 | 151,706,000 | 152,844,000 | 161,434,000 |
| Total loans | 99,486,000 | 110,503,000 | 107,938,000 | 103,868,000 |
| Allowance for loan losses | 1,327,000 | 1,414,000 | 1,466,000 | 1,548,000 |
| Securities available for sale | 27,992,000 | 27,891,000 | 28,494,000 | 32,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,393,000 | 130,978,000 | 131,603,000 | 140,471,000 |
| Interest-bearing deposits | 102,615,000 | 102,437,000 | 99,851,000 | 105,941,000 |
| Noninterest-bearing deposits | 21,778,000 | 28,541,000 | 31,752,000 | 34,530,000 |
| Equity capital | 18,537,000 | 19,104,000 | 19,388,000 | 19,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,231,000 | 4,918,000 | 6,476,000 |
| Interest expense | 443,000 | 814,000 | 1,153,000 | 1,452,000 |
| Net interest income | 1,171,000 | 2,417,000 | 3,765,000 | 5,024,000 |
| Noninterest income | 213,000 | 492,000 | 657,000 | 833,000 |
| Noninterest expense | 994,000 | 2,088,000 | 3,100,000 | 4,087,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 468,000 | 852,000 | 1,248,000 | 1,591,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 468,000 | 852,000 | 1,248,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,392,000 | 18,446,000 | 18,708,000 | 18,931,000 |
| Total capital | 19,606,000 | 19,815,000 | — | — |
| Risk-weighted assets | 96,548,000 | 109,488,000 | — | — |