Call reports 2022
CITIZENS BANK — 2022
What CITIZENS BANK 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 | 479,724,000 | 501,140,000 | 470,511,000 | 449,244,000 |
| Total loans | 296,104,000 | 294,086,000 | 294,777,000 | 302,090,000 |
| Allowance for loan losses | 4,333,000 | 4,262,000 | 4,343,000 | 4,411,000 |
| Securities available for sale | 56,210,000 | 53,733,000 | 58,789,000 | 62,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,750,000 | 452,758,000 | 421,847,000 | 401,193,000 |
| Interest-bearing deposits | 305,757,000 | 309,062,000 | 294,619,000 | 277,920,000 |
| Noninterest-bearing deposits | 123,993,000 | 143,696,000 | 127,228,000 | 123,273,000 |
| Equity capital | 45,518,000 | 43,866,000 | 43,906,000 | 42,981,000 |
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 | 4,347,000 | 8,914,000 | 13,936,000 | 19,161,000 |
| Interest expense | 367,000 | 732,000 | 1,066,000 | 1,434,000 |
| Net interest income | 3,980,000 | 8,182,000 | 12,870,000 | 17,727,000 |
| Noninterest income | 1,109,000 | 2,303,000 | 3,348,000 | 4,376,000 |
| Noninterest expense | 3,341,000 | 6,748,000 | 10,241,000 | 14,437,000 |
| Provision for loan losses | 93,000 | 111,000 | 206,000 | 326,000 |
| Pretax income | 1,655,000 | 3,626,000 | 5,771,000 | 7,340,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,655,000 | 3,626,000 | 5,771,000 | 7,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,141,000 | 50,611,000 | 52,756,000 | 52,825,000 |
| Total capital | 53,820,000 | 54,276,000 | 56,408,000 | 56,569,000 |
| Risk-weighted assets | 293,688,000 | 292,676,000 | 291,519,000 | 298,856,000 |