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 | 772,005,000 | 761,216,000 | 787,688,000 | 771,791,000 |
| Total loans | 401,058,000 | 401,505,000 | 405,979,000 | 409,778,000 |
| Allowance for loan losses | 4,783,000 | 5,033,000 | 5,267,000 | 4,886,000 |
| Securities available for sale | 265,560,000 | 247,259,000 | 292,942,000 | 277,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 658,300,000 | 649,005,000 | 671,447,000 | 651,214,000 |
| Interest-bearing deposits | 406,287,000 | 394,265,000 | 393,356,000 | 386,403,000 |
| Noninterest-bearing deposits | 252,013,000 | 254,740,000 | 278,091,000 | 264,811,000 |
| Equity capital | 72,858,000 | 74,926,000 | 77,023,000 | 79,211,000 |
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 | 6,637,000 | 13,448,000 | 20,626,000 | 28,336,000 |
| Interest expense | 148,000 | 290,000 | 430,000 | 574,000 |
| Net interest income | 6,489,000 | 13,158,000 | 20,196,000 | 27,762,000 |
| Noninterest income | 732,000 | 1,506,000 | 2,314,000 | 3,121,000 |
| Noninterest expense | 4,357,000 | 8,593,000 | 12,946,000 | 17,416,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 2,639,000 | 5,621,000 | 8,889,000 | 12,567,000 |
| Income tax | 625,000 | 1,354,000 | 2,155,000 | 3,144,000 |
| Net income | 2,014,000 | 4,267,000 | 6,734,000 | 9,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,302,000 | 78,554,000 | 81,022,000 | 80,780,000 |
| Total capital | 81,337,000 | 83,839,000 | 86,591,000 | 85,968,000 |
| Risk-weighted assets | 476,564,000 | 474,034,000 | 495,006,000 | 489,895,000 |