Call reports 2022
CITIZENS BANK, THE — 2022
What CITIZENS BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 119,430,000 | 117,106,000 | 114,064,000 | 112,755,000 |
| Total loans | 41,324,000 | 41,574,000 | 40,677,000 | 39,273,000 |
| Allowance for loan losses | 563,000 | 554,000 | 550,000 | 559,000 |
| Securities available for sale | 55,564,000 | 54,394,000 | 56,819,000 | 58,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,862,000 | 107,655,000 | 105,643,000 | 103,706,000 |
| Interest-bearing deposits | 83,750,000 | 81,651,000 | 80,012,000 | 79,152,000 |
| Noninterest-bearing deposits | 24,112,000 | 26,004,000 | 25,631,000 | 24,554,000 |
| Equity capital | 11,336,000 | 9,217,000 | 8,175,000 | 8,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,537,000 | 2,435,000 | 3,407,000 |
| Interest expense | 125,000 | 245,000 | 361,000 | 503,000 |
| Net interest income | 618,000 | 1,292,000 | 2,074,000 | 2,904,000 |
| Noninterest income | 33,000 | 68,000 | 112,000 | 152,000 |
| Noninterest expense | 396,000 | 805,000 | 1,197,000 | 1,747,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 255,000 | 555,000 | 989,000 | 1,299,000 |
| Income tax | 6,000 | 71,000 | 111,000 | 218,000 |
| Net income | 249,000 | 484,000 | 878,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,753,000 | 13,988,000 | 14,382,000 | 13,811,000 |
| Total capital | 14,316,000 | 14,542,000 | 14,932,000 | 14,370,000 |
| Risk-weighted assets | 55,666,000 | 57,092,000 | 58,797,000 | 57,596,000 |