Call reports 2019
CITIZENS BANK, THE — 2019
What CITIZENS BANK, THE 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 | 699,813,000 | 695,241,000 | 680,843,000 | 692,128,000 |
| Total loans | 269,943,000 | 270,099,000 | 262,977,000 | 268,095,000 |
| Allowance for loan losses | 4,353,000 | 4,554,000 | 4,730,000 | 4,206,000 |
| Securities available for sale | 123,992,000 | 140,755,000 | 164,098,000 | 172,480,000 |
| Securities held to maturity | 228,711,000 | 227,723,000 | 211,369,000 | 203,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 565,056,000 | 558,152,000 | 551,932,000 | 554,137,000 |
| Interest-bearing deposits | 396,205,000 | 390,608,000 | 378,208,000 | 390,062,000 |
| Noninterest-bearing deposits | 168,851,000 | 167,544,000 | 173,724,000 | 164,075,000 |
| Equity capital | 69,987,000 | 72,234,000 | 73,351,000 | 71,149,000 |
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 | 6,346,000 | 12,827,000 | 19,154,000 | 25,336,000 |
| Interest expense | 730,000 | 1,519,000 | 2,306,000 | 3,048,000 |
| Net interest income | 5,616,000 | 11,308,000 | 16,848,000 | 22,288,000 |
| Noninterest income | 1,327,000 | 2,726,000 | 4,208,000 | 5,525,000 |
| Noninterest expense | 3,681,000 | 7,435,000 | 11,179,000 | 14,866,000 |
| Provision for loan losses | 192,000 | 402,000 | 627,000 | 2,141,000 |
| Pretax income | 2,989,000 | 6,110,000 | 9,163,000 | 10,723,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,989,000 | 6,110,000 | 9,163,000 | 10,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,844,000 | 71,038,000 | 71,094,000 | 69,895,000 |
| Total capital | 74,885,000 | 75,259,000 | 75,261,000 | 74,140,000 |
| Risk-weighted assets | 322,785,000 | 337,158,000 | 332,651,000 | 339,462,000 |