Call reports 2020
CITIZENS BANK, THE — 2020
What CITIZENS BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 713,998,000 | 782,932,000 | 764,547,000 | 772,240,000 |
| Total loans | 267,004,000 | 317,782,000 | 331,515,000 | 322,284,000 |
| Allowance for loan losses | 4,747,000 | 5,016,000 | 5,333,000 | 6,120,000 |
| Securities available for sale | 181,604,000 | 205,409,000 | 209,075,000 | 204,295,000 |
| Securities held to maturity | 186,926,000 | 179,074,000 | 173,824,000 | 170,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,272,000 | 652,555,000 | 631,887,000 | 654,347,000 |
| Interest-bearing deposits | 417,028,000 | 446,286,000 | 436,945,000 | 458,779,000 |
| Noninterest-bearing deposits | 167,244,000 | 206,269,000 | 194,942,000 | 195,568,000 |
| Equity capital | 77,390,000 | 79,638,000 | 78,362,000 | 76,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,159,000 | 14,001,000 | 19,995,000 | 25,731,000 |
| Interest expense | 750,000 | 1,349,000 | 1,847,000 | 2,284,000 |
| Net interest income | 5,409,000 | 12,652,000 | 18,148,000 | 23,447,000 |
| Noninterest income | 1,438,000 | 2,608,000 | 3,921,000 | 5,154,000 |
| Noninterest expense | 3,731,000 | 7,391,000 | 10,996,000 | 14,424,000 |
| Provision for loan losses | 552,000 | 824,000 | 1,124,000 | 1,937,000 |
| Pretax income | 2,782,000 | 7,272,000 | 10,176,000 | 12,407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,782,000 | 7,272,000 | 10,176,000 | 12,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,676,000 | 72,417,000 | 70,821,000 | 70,360,000 |
| Total capital | 74,855,000 | 76,835,000 | 75,318,000 | 74,879,000 |
| Risk-weighted assets | 333,525,000 | 352,633,000 | 358,704,000 | 359,737,000 |