Call reports 2022
CITIZENS BANK, THE — 2022
What CITIZENS BANK, THE 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 | 193,514,000 | 184,181,000 | 190,986,000 | 187,608,000 |
| Total loans | 120,055,000 | 130,101,000 | 139,777,000 | 133,167,000 |
| Allowance for loan losses | 2,031,000 | 2,060,000 | 2,050,000 | 2,013,000 |
| Securities available for sale | 42,240,000 | 42,429,000 | 40,158,000 | 40,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,143,000 | 166,175,000 | 161,087,000 | 169,553,000 |
| Interest-bearing deposits | 128,711,000 | 124,179,000 | 120,017,000 | 123,667,000 |
| Noninterest-bearing deposits | 45,432,000 | 41,996,000 | 41,070,000 | 45,886,000 |
| Equity capital | 18,241,000 | 16,704,000 | 15,500,000 | 17,105,000 |
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 | 1,737,000 | 3,548,000 | 5,588,000 | 7,664,000 |
| Interest expense | 181,000 | 387,000 | 683,000 | 1,163,000 |
| Net interest income | 1,556,000 | 3,161,000 | 4,905,000 | 6,501,000 |
| Noninterest income | 230,000 | 467,000 | 712,000 | 960,000 |
| Noninterest expense | 986,000 | 2,234,000 | 3,401,000 | 4,608,000 |
| Provision for loan losses | 105,000 | 105,000 | 105,000 | 105,000 |
| Pretax income | 721,000 | 1,315,000 | 2,137,000 | 2,774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 721,000 | 1,315,000 | 2,137,000 | 2,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,241,000 | 16,704,000 | 15,499,000 | 17,104,000 |
| Total capital | — | — | — | 18,833,000 |
| Risk-weighted assets | — | — | — | 138,078,000 |