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 | 710,107,000 | 709,746,000 | 717,379,000 | 723,719,000 |
| Total loans | 448,083,000 | 453,871,000 | 462,509,000 | 467,785,000 |
| Allowance for loan losses | 4,503,000 | 4,504,000 | 4,500,000 | 4,504,000 |
| Securities available for sale | 119,546,000 | 121,646,000 | 123,839,000 | 126,240,000 |
| Securities held to maturity | 24,417,000 | 23,531,000 | 23,556,000 | 22,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 625,794,000 | 624,047,000 | 629,722,000 | 635,990,000 |
| Interest-bearing deposits | 510,522,000 | 503,823,000 | 503,620,000 | 511,349,000 |
| Noninterest-bearing deposits | 115,272,000 | 120,224,000 | 126,102,000 | 124,641,000 |
| Equity capital | 83,720,000 | 85,179,000 | 86,752,000 | 87,344,000 |
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 | 5,852,000 | 11,834,000 | 18,069,000 | 24,503,000 |
| Interest expense | 721,000 | 1,455,000 | 2,213,000 | 3,015,000 |
| Net interest income | 5,131,000 | 10,379,000 | 15,856,000 | 21,488,000 |
| Noninterest income | 1,272,000 | 2,642,000 | 3,800,000 | 5,054,000 |
| Noninterest expense | 4,265,000 | 8,459,000 | 12,545,000 | 16,714,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,138,000 | 4,562,000 | 7,143,000 | 9,860,000 |
| Income tax | 632,000 | 1,436,000 | 2,286,000 | 3,297,000 |
| Net income | 1,506,000 | 3,126,000 | 4,857,000 | 6,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,403,000 | 86,372,000 | 88,104,000 | 89,157,000 |
| Total capital | 89,906,000 | 90,876,000 | 92,604,000 | 93,661,000 |
| Risk-weighted assets | 454,838,000 | 459,778,000 | 467,197,000 | 475,135,000 |