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 | 728,243,000 | 729,576,000 | 773,684,000 | 771,488,000 |
| Total loans | 377,680,000 | 392,168,000 | 404,937,000 | 404,515,000 |
| Allowance for loan losses | 3,633,000 | 3,935,000 | 4,235,000 | 4,561,000 |
| Securities available for sale | 258,983,000 | 229,777,000 | 209,515,000 | 281,770,000 |
| Securities held to maturity | 465,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,028,000 | 611,460,000 | 660,663,000 | 656,731,000 |
| Interest-bearing deposits | 376,178,000 | 375,732,000 | 410,682,000 | 408,314,000 |
| Noninterest-bearing deposits | 231,850,000 | 235,728,000 | 249,981,000 | 248,417,000 |
| Equity capital | 70,351,000 | 72,243,000 | 73,980,000 | 71,904,000 |
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 | 5,961,000 | 12,142,000 | 18,603,000 | 25,327,000 |
| Interest expense | 134,000 | 276,000 | 418,000 | 567,000 |
| Net interest income | 5,827,000 | 11,866,000 | 18,185,000 | 24,760,000 |
| Noninterest income | 782,000 | 1,571,000 | 2,390,000 | 3,197,000 |
| Noninterest expense | 4,196,000 | 8,299,000 | 12,406,000 | 16,577,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 2,113,000 | 4,538,000 | 7,269,000 | 10,180,000 |
| Income tax | 753,000 | 1,605,000 | 2,552,000 | 4,701,000 |
| Net income | 1,360,000 | 2,933,000 | 4,717,000 | 5,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,262,000 | 72,915,000 | 74,699,000 | 73,601,000 |
| Total capital | 75,167,000 | 77,122,000 | 79,206,000 | 78,414,000 |
| Risk-weighted assets | 452,189,000 | 461,599,000 | 472,646,000 | 483,922,000 |