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 | 443,134,000 | 435,170,000 | 429,346,000 | 534,535,000 |
| Total loans | 272,213,000 | 279,174,000 | 282,354,000 | 371,954,000 |
| Allowance for loan losses | 3,446,000 | 3,370,000 | 3,256,000 | 3,317,000 |
| Securities available for sale | 64,181,000 | 64,502,000 | 64,444,000 | 69,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,305,000 | 375,588,000 | 372,618,000 | 469,525,000 |
| Interest-bearing deposits | 282,454,000 | 272,891,000 | 269,691,000 | 335,630,000 |
| Noninterest-bearing deposits | 99,851,000 | 102,697,000 | 102,927,000 | 133,895,000 |
| Equity capital | 45,412,000 | 46,335,000 | 47,210,000 | 54,465,000 |
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 | 4,183,000 | 8,532,000 | 12,966,000 | 18,016,000 |
| Interest expense | 281,000 | 589,000 | 914,000 | 1,341,000 |
| Net interest income | 3,902,000 | 7,943,000 | 12,052,000 | 16,675,000 |
| Noninterest income | 1,111,000 | 2,250,000 | 3,454,000 | 4,660,000 |
| Noninterest expense | 3,576,000 | 7,444,000 | 11,102,000 | 15,571,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 1,437,000 | 2,749,000 | 4,404,000 | 5,664,000 |
| Income tax | 342,000 | 657,000 | 1,055,000 | 1,364,000 |
| Net income | 1,095,000 | 2,092,000 | 3,349,000 | 4,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,041,000 | 45,051,000 | 46,309,000 | 50,248,000 |
| Total capital | 47,439,000 | 48,421,000 | 49,565,000 | 53,565,000 |
| Risk-weighted assets | 271,817,000 | 274,114,000 | 276,000,000 | 369,272,000 |
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