Call reports 2018
CITIZENS BANK, THE — 2018
What CITIZENS BANK, THE 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 | 136,964,000 | 137,691,000 | 134,996,000 | 138,623,000 |
| Total loans | 107,121,000 | 108,485,000 | 108,057,000 | 107,892,000 |
| Allowance for loan losses | 770,000 | 817,000 | 838,000 | 815,000 |
| Securities available for sale | 16,598,000 | 15,800,000 | 15,149,000 | 14,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,710,000 | 118,946,000 | 118,410,000 | 119,275,000 |
| Interest-bearing deposits | 85,267,000 | 90,044,000 | 89,683,000 | 93,161,000 |
| Noninterest-bearing deposits | 29,443,000 | 28,902,000 | 28,727,000 | 26,114,000 |
| Equity capital | 12,790,000 | 12,729,000 | 12,734,000 | 13,017,000 |
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 | 1,531,000 | 3,093,000 | 4,692,000 | 6,321,000 |
| Interest expense | 89,000 | 222,000 | 367,000 | 514,000 |
| Net interest income | 1,442,000 | 2,871,000 | 4,325,000 | 5,807,000 |
| Noninterest income | 237,000 | 495,000 | 751,000 | 942,000 |
| Noninterest expense | 1,370,000 | 2,745,000 | 4,152,000 | 5,468,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 210,000 |
| Pretax income | 249,000 | 501,000 | 744,000 | 1,071,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 501,000 | 744,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,139,000 | 11,139,000 | 11,207,000 | 11,366,000 |
| Total capital | 11,909,000 | 11,956,000 | 12,045,000 | 12,181,000 |
| Risk-weighted assets | 88,403,000 | 88,903,000 | 88,562,000 | 88,846,000 |