Call reports 2021
CITIZENS BANK — 2021
What CITIZENS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 483,472,000 | 486,567,000 | 463,482,000 | 465,838,000 |
| Total loans | 310,315,000 | 307,024,000 | 302,920,000 | 299,499,000 |
| Allowance for loan losses | 4,349,000 | 4,624,000 | 4,384,000 | 4,237,000 |
| Securities available for sale | 41,848,000 | 45,001,000 | 47,058,000 | 50,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,391,000 | 434,309,000 | 409,081,000 | 412,341,000 |
| Interest-bearing deposits | 322,195,000 | 320,276,000 | 298,910,000 | 300,701,000 |
| Noninterest-bearing deposits | 111,196,000 | 114,033,000 | 110,171,000 | 111,640,000 |
| Equity capital | 45,565,000 | 47,154,000 | 49,132,000 | 48,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,969,000 | 9,487,000 | 14,484,000 | 19,148,000 |
| Interest expense | 661,000 | 1,293,000 | 1,729,000 | 2,107,000 |
| Net interest income | 4,308,000 | 8,194,000 | 12,755,000 | 17,041,000 |
| Noninterest income | 1,034,000 | 3,832,000 | 4,818,000 | 5,876,000 |
| Noninterest expense | 3,239,000 | 6,390,000 | 9,711,000 | 13,954,000 |
| Provision for loan losses | 309,000 | 703,000 | 841,000 | 900,000 |
| Pretax income | 1,797,000 | 4,936,000 | 7,024,000 | 8,066,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,797,000 | 4,936,000 | 7,024,000 | 8,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,817,000 | 48,406,000 | 50,494,000 | 49,985,000 |
| Total capital | 50,526,000 | 51,986,000 | 54,159,000 | 53,683,000 |
| Risk-weighted assets | 296,147,000 | 285,424,000 | 292,531,000 | 295,323,000 |