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 | 581,589,000 | 586,547,000 | 583,890,000 | 587,500,000 |
| Total loans | 215,704,000 | 226,806,000 | 234,899,000 | 241,441,000 |
| Allowance for loan losses | 1,638,000 | 1,695,000 | 1,850,000 | 1,832,000 |
| Securities available for sale | 338,518,000 | 331,388,000 | 320,422,000 | 321,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,356,000 | 484,579,000 | 480,940,000 | 479,447,000 |
| Interest-bearing deposits | 407,281,000 | 406,621,000 | 405,221,000 | 403,613,000 |
| Noninterest-bearing deposits | 75,075,000 | 77,958,000 | 75,719,000 | 75,834,000 |
| Equity capital | 97,090,000 | 100,043,000 | 101,051,000 | 106,474,000 |
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 | 5,897,000 | 11,979,000 | 18,192,000 | 24,408,000 |
| Interest expense | 659,000 | 1,365,000 | 2,129,000 | 2,978,000 |
| Net interest income | 5,238,000 | 10,614,000 | 16,063,000 | 21,430,000 |
| Noninterest income | 578,000 | 1,104,000 | 1,761,000 | 2,348,000 |
| Noninterest expense | 1,692,000 | 3,258,000 | 5,131,000 | 7,629,000 |
| Provision for loan losses | 106,000 | 213,000 | 407,000 | 624,000 |
| Pretax income | 4,176,000 | 8,407,000 | 12,446,000 | 15,685,000 |
| Income tax | 685,000 | 1,412,000 | 2,020,000 | 2,548,000 |
| Net income | 3,491,000 | 6,995,000 | 10,426,000 | 13,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,554,000 | 103,058,000 | 106,489,000 | 109,200,000 |
| Total capital | 101,192,000 | 104,753,000 | 108,339,000 | 111,032,000 |
| Risk-weighted assets | 358,603,000 | 366,311,000 | 372,000,000 | 372,833,000 |