Call reports 2018
CITIZENS BANK, THE — 2018
What CITIZENS BANK, THE 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 | 257,092,000 | 248,116,000 | 248,403,000 | 251,599,000 |
| Total loans | 166,719,000 | 164,124,000 | 162,305,000 | 163,024,000 |
| Allowance for loan losses | 2,776,000 | 2,761,000 | 2,720,000 | 2,594,000 |
| Securities available for sale | 7,000 | 7,000 | 7,000 | 6,000 |
| Securities held to maturity | 41,146,000 | 40,600,000 | 40,430,000 | 38,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,155,000 | 213,376,000 | 212,878,000 | 215,534,000 |
| Interest-bearing deposits | 180,480,000 | 173,747,000 | 172,629,000 | 172,873,000 |
| Noninterest-bearing deposits | 42,675,000 | 39,629,000 | 40,249,000 | 42,661,000 |
| Equity capital | 33,070,000 | 33,720,000 | 34,376,000 | 34,851,000 |
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 | 2,470,000 | 4,939,000 | 7,384,000 | 9,888,000 |
| Interest expense | 287,000 | 590,000 | 930,000 | 1,313,000 |
| Net interest income | 2,183,000 | 4,349,000 | 6,454,000 | 8,575,000 |
| Noninterest income | 267,000 | 551,000 | 813,000 | 998,000 |
| Noninterest expense | 1,611,000 | 3,301,000 | 5,013,000 | 6,753,000 |
| Provision for loan losses | 175,000 | 285,000 | 285,000 | 375,000 |
| Pretax income | 663,000 | 1,313,000 | 1,968,000 | 2,444,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 663,000 | 1,313,000 | 1,968,000 | 2,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,070,000 | 33,720,000 | 34,376,000 | 34,851,000 |
| Total capital | 35,020,000 | 35,615,000 | 36,265,000 | 36,739,000 |
| Risk-weighted assets | 155,238,000 | 150,775,000 | 150,355,000 | 150,388,000 |