Call reports 2018
CITIZENS BANK — 2018
What CITIZENS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 387,163,000 | 388,459,000 | 379,926,000 | 420,680,000 |
| Total loans | 206,018,000 | 217,897,000 | 222,577,000 | 247,770,000 |
| Allowance for loan losses | 3,119,000 | 3,202,000 | 3,209,000 | 4,109,000 |
| Securities available for sale | 29,112,000 | 27,249,000 | 25,690,000 | 34,019,000 |
| Securities held to maturity | 1,328,000 | 1,264,000 | 1,178,000 | 1,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,656,000 | 300,921,000 | 311,579,000 | 344,547,000 |
| Interest-bearing deposits | 171,473,000 | 170,070,000 | 175,599,000 | 211,793,000 |
| Noninterest-bearing deposits | 128,183,000 | 130,851,000 | 135,980,000 | 132,754,000 |
| Equity capital | 44,564,000 | 45,200,000 | 45,906,000 | 53,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,626,000 | 7,448,000 | 11,474,000 | 16,909,000 |
| Interest expense | 271,000 | 572,000 | 1,002,000 | 1,650,000 |
| Net interest income | 3,355,000 | 6,876,000 | 10,472,000 | 15,259,000 |
| Noninterest income | 321,000 | 621,000 | 1,052,000 | 1,493,000 |
| Noninterest expense | 2,526,000 | 5,236,000 | 8,083,000 | 12,270,000 |
| Provision for loan losses | 75,000 | 150,000 | 270,000 | 510,000 |
| Pretax income | 1,075,000 | 2,111,000 | 3,171,000 | 3,972,000 |
| Income tax | 225,000 | 441,000 | 663,000 | 827,000 |
| Net income | 850,000 | 1,670,000 | 2,508,000 | 3,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,450,000 | 45,219,000 | 46,006,000 | 53,920,000 |
| Total capital | 47,569,000 | 48,421,000 | 49,215,000 | 57,611,000 |
| Risk-weighted assets | 256,312,000 | 268,197,000 | 277,148,000 | 294,884,000 |