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 | 578,010,000 | 580,554,000 | 581,239,000 | 582,586,000 |
| Total loans | 191,955,000 | 196,238,000 | 195,268,000 | 212,107,000 |
| Allowance for loan losses | 1,648,000 | 1,605,000 | 1,651,000 | 1,588,000 |
| Securities available for sale | 93,191,000 | 106,075,000 | 113,627,000 | 342,866,000 |
| Securities held to maturity | 260,006,000 | 247,765,000 | 238,914,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,098,000 | 479,800,000 | 477,030,000 | 474,518,000 |
| Interest-bearing deposits | 407,467,000 | 403,238,000 | 400,963,000 | 401,437,000 |
| Noninterest-bearing deposits | 73,631,000 | 76,562,000 | 76,067,000 | 73,081,000 |
| Equity capital | 94,561,000 | 98,853,000 | 102,178,000 | 105,949,000 |
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 | 5,706,000 | 11,518,000 | 17,368,000 | 23,413,000 |
| Interest expense | 512,000 | 1,044,000 | 1,585,000 | 2,172,000 |
| Net interest income | 5,194,000 | 10,474,000 | 15,783,000 | 21,241,000 |
| Noninterest income | 679,000 | 1,304,000 | 2,007,000 | 2,562,000 |
| Noninterest expense | 1,635,000 | 3,267,000 | 4,957,000 | 7,500,000 |
| Provision for loan losses | 57,000 | 114,000 | 143,000 | 181,000 |
| Pretax income | 4,193,000 | 8,433,000 | 12,763,000 | 15,988,000 |
| Income tax | 683,000 | 1,772,000 | 2,691,000 | 3,453,000 |
| Net income | 3,510,000 | 6,661,000 | 10,072,000 | 12,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,446,000 | 98,598,000 | 102,009,000 | 104,472,000 |
| Total capital | 97,094,000 | 100,203,000 | 103,660,000 | 106,060,000 |
| Risk-weighted assets | 287,995,000 | 297,324,000 | 346,827,000 | 358,504,000 |