Call reports 2017
CITIZENS BANK — 2017
What CITIZENS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 368,886,000 | 370,210,000 | 372,040,000 | 381,786,000 |
| Total loans | 201,269,000 | 190,770,000 | 200,324,000 | 199,945,000 |
| Allowance for loan losses | 3,280,000 | 3,505,000 | 3,723,000 | 3,199,000 |
| Securities available for sale | 40,360,000 | 37,464,000 | 35,320,000 | 31,063,000 |
| Securities held to maturity | 2,937,000 | 2,858,000 | 2,744,000 | 1,433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,602,000 | 303,425,000 | 284,662,000 | 294,877,000 |
| Interest-bearing deposits | 193,175,000 | 188,020,000 | 165,753,000 | 169,009,000 |
| Noninterest-bearing deposits | 109,427,000 | 115,405,000 | 118,909,000 | 125,868,000 |
| Equity capital | 43,184,000 | 43,777,000 | 44,024,000 | 44,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,309,000 | 6,582,000 | 9,897,000 | 13,312,000 |
| Interest expense | 167,000 | 332,000 | 533,000 | 782,000 |
| Net interest income | 3,142,000 | 6,250,000 | 9,364,000 | 12,530,000 |
| Noninterest income | 349,000 | 805,000 | 1,123,000 | 1,534,000 |
| Noninterest expense | 2,536,000 | 5,241,000 | 7,913,000 | 10,521,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 730,000 | 1,364,000 | 1,899,000 | 2,603,000 |
| Income tax | 243,000 | 452,000 | 629,000 | 1,016,000 |
| Net income | 487,000 | 912,000 | 1,270,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,721,000 | 43,144,000 | 43,452,000 | 43,718,000 |
| Total capital | 45,733,000 | 46,130,000 | 46,537,000 | 46,749,000 |
| Risk-weighted assets | 240,755,000 | 238,409,000 | 246,236,000 | 242,389,000 |