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 | 94,331,000 | 94,991,000 | 96,354,000 | 95,017,000 |
| Total loans | 42,487,000 | 41,945,000 | 41,591,000 | 42,194,000 |
| Allowance for loan losses | 542,000 | 537,000 | 529,000 | 530,000 |
| Securities available for sale | 43,439,000 | 44,088,000 | 42,338,000 | 42,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,050,000 | 77,816,000 | 78,890,000 | 78,261,000 |
| Interest-bearing deposits | 54,715,000 | 50,964,000 | 59,110,000 | 60,641,000 |
| Noninterest-bearing deposits | 23,335,000 | 26,852,000 | 19,780,000 | 17,620,000 |
| Equity capital | 13,185,000 | 14,123,000 | 14,373,000 | 13,671,000 |
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 | 904,000 | 1,806,000 | 2,709,000 | 3,586,000 |
| Interest expense | 169,000 | 350,000 | 549,000 | 758,000 |
| Net interest income | 735,000 | 1,456,000 | 2,160,000 | 2,828,000 |
| Noninterest income | 36,000 | 80,000 | 123,000 | 165,000 |
| Noninterest expense | 349,000 | 702,000 | 1,067,000 | 1,601,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 422,000 | 834,000 | 1,216,000 | 1,392,000 |
| Income tax | 21,000 | 148,000 | 226,000 | 266,000 |
| Net income | 401,000 | 686,000 | 990,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,426,000 | 13,711,000 | 14,015,000 | 13,345,000 |
| Total capital | 13,968,000 | 14,248,000 | 14,544,000 | 13,875,000 |
| Risk-weighted assets | 52,582,000 | 51,837,000 | 51,826,000 | 52,094,000 |