Call reports 2017
CITIZENS BANK — 2017
What CITIZENS BANK 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 | 195,456,000 | 196,778,000 | 197,347,000 | 189,506,000 |
| Total loans | 167,516,000 | 171,904,000 | 172,506,000 | 173,075,000 |
| Allowance for loan losses | 1,891,000 | 1,931,000 | 1,971,000 | 2,044,000 |
| Securities available for sale | 11,116,000 | 11,020,000 | 10,844,000 | 5,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,663,000 | 179,255,000 | 172,084,000 | 171,805,000 |
| Interest-bearing deposits | 144,150,000 | 140,812,000 | 134,677,000 | 133,236,000 |
| Noninterest-bearing deposits | 34,513,000 | 38,443,000 | 37,407,000 | 38,569,000 |
| Equity capital | 15,206,000 | 15,850,000 | 16,493,000 | 14,450,000 |
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 | 2,019,000 | 4,185,000 | 6,427,000 | 8,605,000 |
| Interest expense | 181,000 | 370,000 | 568,000 | 768,000 |
| Net interest income | 1,838,000 | 3,815,000 | 5,859,000 | 7,837,000 |
| Noninterest income | 245,000 | 515,000 | 779,000 | 1,032,000 |
| Noninterest expense | 1,651,000 | 3,278,000 | 4,877,000 | 8,303,000 |
| Provision for loan losses | 84,000 | 216,000 | 272,000 | 272,000 |
| Pretax income | 348,000 | 836,000 | 1,489,000 | 206,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 348,000 | 836,000 | 1,489,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,424,000 | 15,912,000 | 16,565,000 | 14,524,000 |
| Total capital | 17,315,000 | 17,843,000 | 18,536,000 | 16,468,000 |
| Risk-weighted assets | 157,687,000 | 155,824,000 | 159,852,000 | 155,423,000 |