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 | 133,927,000 | 138,407,000 | 143,604,000 | 148,400,000 |
| Total loans | 97,958,000 | 105,459,000 | 111,410,000 | 116,534,000 |
| Allowance for loan losses | 984,000 | 1,055,000 | 1,116,000 | 1,926,000 |
| Securities available for sale | 18,301,000 | 18,302,000 | 17,469,000 | 17,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,956,000 | 123,980,000 | 123,990,000 | 129,156,000 |
| Interest-bearing deposits | 80,036,000 | 81,986,000 | 86,665,000 | 93,119,000 |
| Noninterest-bearing deposits | 39,920,000 | 41,994,000 | 37,325,000 | 36,037,000 |
| Equity capital | 13,669,000 | 14,006,000 | 14,022,000 | 13,705,000 |
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 | 1,376,000 | 2,875,000 | 4,596,000 | 6,343,000 |
| Interest expense | 120,000 | 260,000 | 478,000 | 784,000 |
| Net interest income | 1,256,000 | 2,615,000 | 4,118,000 | 5,559,000 |
| Noninterest income | 187,000 | 370,000 | 539,000 | 744,000 |
| Noninterest expense | 991,000 | 2,113,000 | 3,183,000 | 4,432,000 |
| Provision for loan losses | 33,000 | 104,000 | 175,000 | 1,170,000 |
| Pretax income | 416,000 | 765,000 | 1,296,000 | 698,000 |
| Income tax | 87,000 | 163,000 | 292,000 | 149,000 |
| Net income | 329,000 | 602,000 | 1,004,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,742,000 | 14,024,000 | 14,586,000 | 14,100,000 |
| Total capital | 14,726,000 | 15,079,000 | 15,702,000 | 15,528,000 |
| Risk-weighted assets | 102,132,000 | 108,994,000 | 111,273,000 | 113,765,000 |
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