Call reports 2017
CITIZENS BANK, THE — 2017
What CITIZENS BANK, THE 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 | 768,581,000 | 759,780,000 | 763,265,000 | 774,480,000 |
| Total loans | 573,614,000 | 576,821,000 | 585,091,000 | 588,138,000 |
| Allowance for loan losses | 8,777,000 | 8,857,000 | 8,978,000 | 9,892,000 |
| Securities available for sale | 127,141,000 | 128,779,000 | 118,111,000 | 120,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 645,852,000 | 646,348,000 | 653,134,000 | 658,987,000 |
| Interest-bearing deposits | 563,284,000 | 570,585,000 | 580,090,000 | 579,681,000 |
| Noninterest-bearing deposits | 82,568,000 | 75,763,000 | 73,044,000 | 79,306,000 |
| Equity capital | 75,321,000 | 77,172,000 | 79,025,000 | 82,379,000 |
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 | 7,688,000 | 15,702,000 | 24,019,000 | 32,308,000 |
| Interest expense | 1,044,000 | 2,154,000 | 3,294,000 | 4,512,000 |
| Net interest income | 6,644,000 | 13,548,000 | 20,725,000 | 27,796,000 |
| Noninterest income | 1,165,000 | 2,375,000 | 3,732,000 | 4,962,000 |
| Noninterest expense | 5,605,000 | 11,230,000 | 16,830,000 | 22,543,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 2,500,000 |
| Pretax income | 1,834,000 | 3,948,000 | 6,462,000 | 10,608,000 |
| Income tax | 364,000 | 830,000 | 1,515,000 | 3,406,000 |
| Net income | 1,470,000 | 3,118,000 | 4,947,000 | 7,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,952,000 | 64,690,000 | 66,609,000 | 70,269,000 |
| Total capital | 70,229,000 | 72,015,000 | 73,991,000 | 77,804,000 |
| Risk-weighted assets | 580,658,000 | 584,476,000 | 588,993,000 | 600,416,000 |