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 | 83,495,000 | 91,051,000 | 94,794,000 | 100,825,000 |
| Total loans | 63,507,000 | 67,515,000 | 75,410,000 | 80,602,000 |
| Allowance for loan losses | 247,000 | 277,000 | 308,000 | 339,000 |
| Securities available for sale | 9,337,000 | 10,350,000 | 10,355,000 | 10,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,125,000 | 81,423,000 | 85,852,000 | 91,778,000 |
| Interest-bearing deposits | 60,454,000 | 66,983,000 | 71,333,000 | 77,173,000 |
| Noninterest-bearing deposits | 14,671,000 | 14,440,000 | 14,519,000 | 14,605,000 |
| Equity capital | 8,199,000 | 8,391,000 | 8,611,000 | 8,771,000 |
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 | 903,000 | 1,903,000 | 3,006,000 | 4,242,000 |
| Interest expense | 144,000 | 334,000 | 567,000 | 854,000 |
| Net interest income | 759,000 | 1,569,000 | 2,439,000 | 3,388,000 |
| Noninterest income | 213,000 | 437,000 | 672,000 | 1,063,000 |
| Noninterest expense | 710,000 | 1,432,000 | 2,169,000 | 2,946,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 232,000 | 514,000 | 852,000 | 1,385,000 |
| Income tax | 49,000 | 108,000 | 179,000 | 287,000 |
| Net income | 183,000 | 406,000 | 673,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,617,000 | 7,820,000 | 8,059,000 | 8,205,000 |
| Total capital | 7,864,000 | 8,097,000 | 8,367,000 | 8,544,000 |
| Risk-weighted assets | 61,722,000 | 66,389,000 | 71,585,000 | 75,258,000 |