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 | 220,141,000 | 230,589,000 | 239,906,000 | 256,012,000 |
| Total loans | 173,171,000 | 173,662,000 | 178,119,000 | 176,227,000 |
| Allowance for loan losses | 2,776,000 | 2,855,000 | 2,814,000 | 2,808,000 |
| Securities available for sale | 22,074,000 | 24,018,000 | 27,235,000 | 28,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,215,000 | 198,925,000 | 208,770,000 | 224,495,000 |
| Interest-bearing deposits | 151,239,000 | 160,585,000 | 169,551,000 | 184,408,000 |
| Noninterest-bearing deposits | 37,976,000 | 38,340,000 | 39,219,000 | 40,087,000 |
| Equity capital | 24,812,000 | 25,808,000 | 25,673,000 | 26,557,000 |
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 | 2,894,000 | 5,923,000 | 9,105,000 | 12,321,000 |
| Interest expense | 573,000 | 1,249,000 | 2,013,000 | 2,811,000 |
| Net interest income | 2,321,000 | 4,674,000 | 7,092,000 | 9,510,000 |
| Noninterest income | 261,000 | 601,000 | 884,000 | 1,159,000 |
| Noninterest expense | 1,546,000 | 3,079,000 | 4,631,000 | 6,210,000 |
| Provision for loan losses | 90,000 | 165,000 | 165,000 | 240,000 |
| Pretax income | 946,000 | 2,031,000 | 3,180,000 | 4,219,000 |
| Income tax | 249,000 | 534,000 | 836,000 | 1,076,000 |
| Net income | 697,000 | 1,497,000 | 2,344,000 | 3,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,063,000 | 25,863,000 | 25,691,000 | 26,489,000 |
| Total capital | 27,367,000 | 28,222,000 | 28,118,000 | 28,956,000 |
| Risk-weighted assets | 183,876,000 | 188,243,000 | 193,757,000 | 197,023,000 |