Call reports 2017
CITIZENS BANK COMPANY, THE — 2017
What CITIZENS BANK COMPANY, THE 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 | 187,803,000 | 194,153,000 | 199,551,000 | 205,390,000 |
| Total loans | 120,953,000 | 127,601,000 | 132,299,000 | 139,670,000 |
| Allowance for loan losses | 1,869,000 | 1,966,000 | 2,061,000 | 2,580,000 |
| Securities available for sale | 52,880,000 | 54,307,000 | 53,186,000 | 51,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,830,000 | 163,877,000 | 167,843,000 | 171,288,000 |
| Interest-bearing deposits | 128,076,000 | 131,001,000 | 134,359,000 | 135,489,000 |
| Noninterest-bearing deposits | 32,754,000 | 32,876,000 | 33,484,000 | 35,799,000 |
| Equity capital | 26,075,000 | 27,060,000 | 26,596,000 | 26,206,000 |
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 | 1,885,000 | 4,067,000 | 6,222,000 | 8,408,000 |
| Interest expense | 113,000 | 225,000 | 350,000 | 494,000 |
| Net interest income | 1,772,000 | 3,842,000 | 5,872,000 | 7,914,000 |
| Noninterest income | 329,000 | 441,000 | 664,000 | 885,000 |
| Noninterest expense | 1,234,000 | 2,462,000 | 3,708,000 | 5,604,000 |
| Provision for loan losses | 20,000 | 120,000 | 220,000 | 740,000 |
| Pretax income | 858,000 | 1,712,000 | 2,619,000 | 2,485,000 |
| Income tax | 231,000 | 397,000 | 710,000 | 425,000 |
| Net income | 627,000 | 1,315,000 | 1,909,000 | 2,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,310,000 | 26,077,000 | 25,586,000 | 25,373,000 |
| Total capital | 26,916,000 | 27,746,000 | 27,308,000 | 27,158,000 |
| Risk-weighted assets | 128,197,000 | 133,247,000 | 137,422,000 | 142,036,000 |