Call reports 2023
CITIZENS BANK, THE — 2023
What CITIZENS BANK, THE 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 | 193,194,000 | 191,169,000 | 191,894,000 | 189,409,000 |
| Total loans | 133,925,000 | 138,499,000 | 140,624,000 | 134,857,000 |
| Allowance for loan losses | 2,004,000 | 1,972,000 | 1,951,000 | 1,935,000 |
| Securities available for sale | 42,248,000 | 43,338,000 | 41,565,000 | 43,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,844,000 | 168,857,000 | 161,284,000 | 166,728,000 |
| Interest-bearing deposits | 130,872,000 | 127,673,000 | 124,694,000 | 127,857,000 |
| Noninterest-bearing deposits | 42,972,000 | 41,184,000 | 36,590,000 | 38,871,000 |
| Equity capital | 18,155,000 | 17,848,000 | 16,836,000 | 19,309,000 |
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 | 2,202,000 | 4,507,000 | 6,924,000 | 9,332,000 |
| Interest expense | 634,000 | 1,372,000 | 2,257,000 | 3,229,000 |
| Net interest income | 1,568,000 | 3,135,000 | 4,667,000 | 6,103,000 |
| Noninterest income | 354,000 | 574,000 | 811,000 | 1,033,000 |
| Noninterest expense | 1,156,000 | 2,342,000 | 3,635,000 | 4,774,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 766,000 | 1,367,000 | 1,843,000 | 2,362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 766,000 | 1,367,000 | 1,843,000 | 2,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,229,000 | 23,310,000 | 23,685,000 | 24,056,000 |