Call reports 2023
CITIZENS BANK — 2023
What CITIZENS BANK 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 | 447,003,000 | 445,108,000 | 442,223,000 | 449,353,000 |
| Total loans | 300,030,000 | 300,110,000 | 298,500,000 | 305,936,000 |
| Allowance for loan losses | 4,097,000 | 4,112,000 | 4,018,000 | 4,082,000 |
| Securities available for sale | 64,545,000 | 63,781,000 | 64,156,000 | 61,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,776,000 | 395,616,000 | 387,154,000 | 389,946,000 |
| Interest-bearing deposits | 275,567,000 | 268,760,000 | 260,314,000 | 256,630,000 |
| Noninterest-bearing deposits | 122,209,000 | 126,856,000 | 126,840,000 | 133,316,000 |
| Equity capital | 44,635,000 | 44,567,000 | 44,756,000 | 53,699,000 |
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 | 5,202,000 | 10,993,000 | 16,692,000 | 22,747,000 |
| Interest expense | 583,000 | 1,356,000 | 2,252,000 | 3,307,000 |
| Net interest income | 4,619,000 | 9,637,000 | 14,440,000 | 19,440,000 |
| Noninterest income | 1,161,000 | 2,215,000 | 4,513,000 | 10,799,000 |
| Noninterest expense | 3,615,000 | 7,105,000 | 11,167,000 | 16,614,000 |
| Provision for loan losses | 108,000 | 128,000 | 149,000 | 261,000 |
| Pretax income | 2,057,000 | 4,569,000 | 7,567,000 | 12,800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,057,000 | 4,569,000 | 7,567,000 | 12,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,618,000 | 54,531,000 | 55,728,000 | 60,961,000 |
| Total capital | 57,358,000 | 58,268,000 | 59,412,000 | 64,719,000 |
| Risk-weighted assets | 298,879,000 | 298,536,000 | 294,366,000 | 300,233,000 |