Call reports 2023
CITIZENS BANK, THE — 2023
What CITIZENS BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 110,749,000 | 112,945,000 | 109,468,000 | 116,079,000 |
| Total loans | 38,734,000 | 34,416,000 | 36,445,000 | 36,998,000 |
| Allowance for loan losses | 562,000 | 560,000 | 559,000 | 557,000 |
| Securities available for sale | 58,548,000 | 58,072,000 | 55,721,000 | 60,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,734,000 | 103,449,000 | 101,038,000 | 105,876,000 |
| Interest-bearing deposits | 77,206,000 | 76,167,000 | 73,983,000 | 76,766,000 |
| Noninterest-bearing deposits | 23,528,000 | 27,282,000 | 27,055,000 | 29,110,000 |
| Equity capital | 9,659,000 | 9,204,000 | 8,079,000 | 9,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 2,060,000 | 3,139,000 | 4,305,000 |
| Interest expense | 158,000 | 377,000 | 650,000 | 994,000 |
| Net interest income | 841,000 | 1,683,000 | 2,489,000 | 3,311,000 |
| Noninterest income | 39,000 | 81,000 | 123,000 | 165,000 |
| Noninterest expense | 419,000 | 870,000 | 1,307,000 | 1,908,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 463,000 | 894,000 | 1,305,000 | 1,568,000 |
| Income tax | 0 | 149,000 | 272,000 | 290,000 |
| Net income | 463,000 | 745,000 | 1,033,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,274,000 | 14,556,000 | 14,845,000 | 14,315,000 |
| Total capital | 14,836,000 | 15,116,000 | 15,404,000 | 14,872,000 |
| Risk-weighted assets | 56,594,000 | 53,660,000 | 56,289,000 | 56,412,000 |