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 |
|---|---|---|
| Total assets | 289,020,000 | 290,691,000 |
| Total loans | 183,214,000 | 184,381,000 |
| Allowance for loan losses | 3,132,000 | 3,138,000 |
| Securities available for sale | 56,832,000 | 61,941,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 257,644,000 | 258,191,000 |
| Interest-bearing deposits | 198,496,000 | 196,266,000 |
| Noninterest-bearing deposits | 59,148,000 | 61,925,000 |
| Equity capital | 27,569,000 | 28,800,000 |
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 |
|---|---|---|
| Interest income | 2,820,000 | 5,840,000 |
| Interest expense | 587,000 | 1,099,000 |
| Net interest income | 2,233,000 | 4,741,000 |
| Noninterest income | 277,000 | 585,000 |
| Noninterest expense | 1,577,000 | 3,192,000 |
| Provision for loan losses | 90,000 | 200,000 |
| Pretax income | 865,000 | 1,956,000 |
| Income tax | 225,000 | 509,000 |
| Net income | 640,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 |
|---|---|---|
| Tier 1 capital | 27,786,000 | 28,593,000 |
| Total capital | 30,445,000 | 31,280,000 |
| Risk-weighted assets | 212,270,000 | 214,507,000 |