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 | 115,473,000 | 117,418,000 | 118,703,000 | 120,319,000 |
| Total loans | 41,730,000 | 41,527,000 | 41,847,000 | 44,306,000 |
| Allowance for loan losses | 556,000 | 540,000 | 546,000 | 560,000 |
| Securities available for sale | 55,198,000 | 59,385,000 | 60,883,000 | 58,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,032,000 | 102,782,000 | 103,750,000 | 106,516,000 |
| Interest-bearing deposits | 78,032,000 | 78,503,000 | 79,974,000 | 81,243,000 |
| Noninterest-bearing deposits | 23,000,000 | 24,279,000 | 23,776,000 | 25,273,000 |
| Equity capital | 14,189,000 | 14,438,000 | 14,717,000 | 13,567,000 |
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 | 795,000 | 1,607,000 | 2,328,000 | 3,077,000 |
| Interest expense | 156,000 | 307,000 | 449,000 | 593,000 |
| Net interest income | 639,000 | 1,300,000 | 1,879,000 | 2,484,000 |
| Noninterest income | 32,000 | 67,000 | 103,000 | 134,000 |
| Noninterest expense | 382,000 | 764,000 | 1,149,000 | 1,640,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 290,000 | 604,000 | 835,000 | 956,000 |
| Income tax | 13,000 | 26,000 | 80,000 | 178,000 |
| Net income | 277,000 | 578,000 | 755,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,713,000 | 14,014,000 | 14,191,000 | 13,504,000 |
| Total capital | 14,269,000 | 14,554,000 | 14,737,000 | 14,064,000 |
| Risk-weighted assets | 54,014,000 | 52,380,000 | 54,604,000 | 55,792,000 |