Call reports 2019
CITIZENS BANK — 2019
What CITIZENS BANK 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 | 430,109,000 | 430,474,000 | 425,412,000 | 421,145,000 |
| Total loans | 324,595,000 | 321,255,000 | 318,466,000 | 318,601,000 |
| Allowance for loan losses | 4,578,000 | 4,458,000 | 4,447,000 | 4,304,000 |
| Securities available for sale | 42,364,000 | 40,171,000 | 41,161,000 | 40,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,223,000 | 376,773,000 | 369,522,000 | 370,703,000 |
| Interest-bearing deposits | 303,137,000 | 301,783,000 | 298,219,000 | 295,474,000 |
| Noninterest-bearing deposits | 73,086,000 | 74,990,000 | 71,303,000 | 75,229,000 |
| Equity capital | 38,816,000 | 39,456,000 | 41,353,000 | 41,588,000 |
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 | 5,160,000 | 10,473,000 | 15,966,000 | 21,236,000 |
| Interest expense | 1,060,000 | 2,219,000 | 3,409,000 | 4,575,000 |
| Net interest income | 4,100,000 | 8,254,000 | 12,557,000 | 16,661,000 |
| Noninterest income | 1,277,000 | 2,281,000 | 3,254,000 | 4,435,000 |
| Noninterest expense | 3,429,000 | 6,872,000 | 10,296,000 | 14,288,000 |
| Provision for loan losses | 160,000 | 181,000 | 203,000 | 251,000 |
| Pretax income | 1,788,000 | 3,482,000 | 5,317,000 | 6,562,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,788,000 | 3,482,000 | 5,317,000 | 6,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,551,000 | 43,695,000 | 45,535,000 | 45,230,000 |
| Total capital | 47,461,000 | 47,581,000 | 49,348,000 | 49,060,000 |
| Risk-weighted assets | 312,200,000 | 310,330,000 | 304,463,000 | 305,970,000 |