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 | 731,002,000 | 720,820,000 | 739,002,000 | 751,153,000 |
| Total loans | 458,258,000 | 477,544,000 | 479,827,000 | 499,098,000 |
| Allowance for loan losses | 3,562,000 | 3,745,000 | 3,688,000 | 3,724,000 |
| Securities available for sale | 123,812,000 | 121,838,000 | 120,871,000 | 122,809,000 |
| Securities held to maturity | 22,066,000 | 21,589,000 | 21,337,000 | 20,605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,914,000 | 631,546,000 | 647,427,000 | 658,532,000 |
| Interest-bearing deposits | 513,546,000 | 500,562,000 | 509,654,000 | 524,251,000 |
| Noninterest-bearing deposits | 129,368,000 | 130,984,000 | 137,773,000 | 134,281,000 |
| Equity capital | 87,371,000 | 88,525,000 | 90,323,000 | 92,239,000 |
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 | 6,245,000 | 13,052,000 | 20,174,000 | 27,405,000 |
| Interest expense | 914,000 | 1,915,000 | 3,121,000 | 4,434,000 |
| Net interest income | 5,331,000 | 11,137,000 | 17,053,000 | 22,971,000 |
| Noninterest income | 1,295,000 | 2,699,000 | 4,141,000 | 5,473,000 |
| Noninterest expense | 4,455,000 | 8,958,000 | 13,260,000 | 17,526,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 250,000 |
| Pretax income | 2,099,000 | 4,731,000 | 7,712,000 | 10,671,000 |
| Income tax | 491,000 | 1,100,000 | 1,847,000 | 2,520,000 |
| Net income | 1,608,000 | 3,631,000 | 5,865,000 | 8,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,522,000 | 91,795,000 | 94,029,000 | 95,565,000 |
| Total capital | 94,084,000 | 95,540,000 | 97,717,000 | 99,289,000 |
| Risk-weighted assets | 473,852,000 | 500,904,000 | 506,805,000 | 525,271,000 |