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 | 434,134,000 | 432,629,000 | 431,508,000 | 433,037,000 |
| Total loans | 262,224,000 | 271,817,000 | 271,740,000 | 271,878,000 |
| Allowance for loan losses | 4,309,000 | 4,401,000 | 4,296,000 | 3,438,000 |
| Securities available for sale | 67,973,000 | 67,642,000 | 67,314,000 | 65,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,456,000 | 380,533,000 | 377,948,000 | 371,713,000 |
| Interest-bearing deposits | 275,214,000 | 271,973,000 | 271,012,000 | 273,534,000 |
| Noninterest-bearing deposits | 107,242,000 | 108,560,000 | 106,936,000 | 98,179,000 |
| Equity capital | 43,545,000 | 44,178,000 | 45,088,000 | 45,089,000 |
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 | 3,880,000 | 7,950,000 | 12,103,000 | 16,237,000 |
| Interest expense | 245,000 | 486,000 | 725,000 | 980,000 |
| Net interest income | 3,635,000 | 7,464,000 | 11,378,000 | 15,257,000 |
| Noninterest income | 1,126,000 | 2,124,000 | 3,302,000 | 4,449,000 |
| Noninterest expense | 3,397,000 | 6,990,000 | 10,435,000 | 14,135,000 |
| Provision for loan losses | 51,000 | 54,000 | 55,000 | -750,000 |
| Pretax income | 1,313,000 | 2,544,000 | 4,190,000 | 6,313,000 |
| Income tax | 444,000 | 836,000 | 1,391,000 | 2,571,000 |
| Net income | 869,000 | 1,708,000 | 2,799,000 | 3,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,326,000 | 41,182,000 | 42,281,000 | 42,953,000 |
| Total capital | 44,637,000 | 44,558,000 | 45,655,000 | 46,333,000 |
| Risk-weighted assets | 263,864,000 | 269,038,000 | 268,987,000 | 270,332,000 |