Call reports 2021
CITIZENS BANK, THE — 2021
What CITIZENS BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 818,758,000 | 846,574,000 | 818,901,000 | 847,508,000 |
| Total loans | 336,119,000 | 314,024,000 | 301,161,000 | 293,744,000 |
| Allowance for loan losses | 6,190,000 | 6,343,000 | 6,427,000 | 6,387,000 |
| Securities available for sale | 240,433,000 | 302,634,000 | 304,846,000 | 325,929,000 |
| Securities held to maturity | 166,326,000 | 163,057,000 | 155,092,000 | 149,637,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 708,674,000 | 734,924,000 | 719,551,000 | 751,396,000 |
| Interest-bearing deposits | 478,390,000 | 503,865,000 | 491,881,000 | 511,405,000 |
| Noninterest-bearing deposits | 230,284,000 | 231,059,000 | 227,670,000 | 239,991,000 |
| Equity capital | 71,211,000 | 73,146,000 | 71,820,000 | 70,014,000 |
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 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,909,000 | 11,986,000 | 18,407,000 | 25,076,000 |
| Interest expense | 383,000 | 746,000 | 1,052,000 | 1,312,000 |
| Net interest income | 5,526,000 | 11,240,000 | 17,355,000 | 23,764,000 |
| Noninterest income | 1,250,000 | 2,588,000 | 3,808,000 | 5,147,000 |
| Noninterest expense | 3,670,000 | 7,570,000 | 11,050,000 | 14,851,000 |
| Provision for loan losses | 75,000 | 226,000 | 353,000 | 335,000 |
| Pretax income | 3,100,000 | 6,101,000 | 9,833,000 | 13,798,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,100,000 | 6,101,000 | 9,833,000 | 13,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,962,000 | 70,914,000 | 71,667,000 | 72,582,000 |
| Total capital | 75,617,000 | 75,610,000 | 76,074,000 | 77,358,000 |
| Risk-weighted assets | 370,608,000 | 373,827,000 | 350,487,000 | 380,419,000 |