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 | 772,561,000 | 815,255,000 | 849,138,000 | 856,029,000 |
| Total loans | 597,082,000 | 609,217,000 | 649,239,000 | 662,686,000 |
| Allowance for loan losses | 10,047,000 | 10,055,000 | 10,228,000 | 10,149,000 |
| Securities available for sale | 118,598,000 | 124,054,000 | 126,780,000 | 123,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 664,177,000 | 707,179,000 | 707,277,000 | 744,754,000 |
| Interest-bearing deposits | 588,377,000 | 631,981,000 | 639,522,000 | 672,253,000 |
| Noninterest-bearing deposits | 75,800,000 | 75,198,000 | 67,755,000 | 72,501,000 |
| Equity capital | 83,057,000 | 84,609,000 | 85,594,000 | 82,901,000 |
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 | 8,275,000 | 16,937,000 | 26,074,000 | 35,798,000 |
| Interest expense | 1,273,000 | 2,788,000 | 4,667,000 | 6,655,000 |
| Net interest income | 7,002,000 | 14,149,000 | 21,407,000 | 29,143,000 |
| Noninterest income | 1,280,000 | 2,573,000 | 3,906,000 | 5,199,000 |
| Noninterest expense | 5,712,000 | 11,713,000 | 17,767,000 | 23,865,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,250,000 |
| Pretax income | 2,280,000 | 4,419,000 | 6,656,000 | 9,237,000 |
| Income tax | 477,000 | 899,000 | 1,347,000 | 1,850,000 |
| Net income | 1,803,000 | 3,520,000 | 5,309,000 | 7,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,052,000 | 73,834,000 | 75,685,000 | 71,958,000 |
| Total capital | 79,680,000 | 81,733,000 | 84,164,000 | 80,587,000 |
| Risk-weighted assets | 607,826,000 | 629,727,000 | 676,618,000 | 688,821,000 |