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 | 129,165,000 | 134,872,000 | 126,776,000 | 128,189,000 |
| Total loans | 82,316,000 | 85,666,000 | 85,581,000 | 95,465,000 |
| Allowance for loan losses | 873,000 | 877,000 | 765,000 | 951,000 |
| Securities available for sale | 26,516,000 | 26,140,000 | 23,486,000 | 19,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,142,000 | 120,897,000 | 112,280,000 | 114,513,000 |
| Interest-bearing deposits | 78,391,000 | 78,824,000 | 75,964,000 | 76,921,000 |
| Noninterest-bearing deposits | 37,750,000 | 42,073,000 | 36,316,000 | 37,593,000 |
| Equity capital | 12,822,000 | 13,683,000 | 14,008,000 | 13,479,000 |
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 | 1,128,000 | 2,372,000 | 3,649,000 | 5,019,000 |
| Interest expense | 108,000 | 217,000 | 324,000 | 438,000 |
| Net interest income | 1,020,000 | 2,155,000 | 3,325,000 | 4,581,000 |
| Noninterest income | 180,000 | 690,000 | 1,094,000 | 1,342,000 |
| Noninterest expense | 1,046,000 | 2,184,000 | 3,197,000 | 4,342,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 286,000 |
| Pretax income | 165,000 | 674,000 | 1,175,000 | 1,364,000 |
| Income tax | 34,000 | 88,000 | 256,000 | 626,000 |
| Net income | 131,000 | 586,000 | 919,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,529,000 | 12,955,000 | 13,258,000 | 13,561,000 |
| Total capital | 13,402,000 | 13,832,000 | 14,023,000 | 14,512,000 |
| Risk-weighted assets | 87,516,000 | 89,546,000 | 90,538,000 | 97,824,000 |
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