Call reports 2018
CITIZENS BANK COMPANY, THE — 2018
What CITIZENS BANK COMPANY, 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 | 211,471,000 | 210,741,000 | 214,847,000 | 216,592,000 |
| Total loans | 144,342,000 | 148,658,000 | 154,264,000 | 156,637,000 |
| Allowance for loan losses | 2,624,000 | 2,691,000 | 2,815,000 | 3,476,000 |
| Securities available for sale | 48,984,000 | 47,850,000 | 45,913,000 | 45,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,268,000 | 173,903,000 | 177,969,000 | 175,898,000 |
| Interest-bearing deposits | 142,608,000 | 135,457,000 | 137,663,000 | 136,216,000 |
| Noninterest-bearing deposits | 35,660,000 | 38,446,000 | 40,306,000 | 39,682,000 |
| Equity capital | 26,305,000 | 26,826,000 | 27,004,000 | 27,808,000 |
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 | 2,218,000 | 4,502,000 | 6,879,000 | 9,302,000 |
| Interest expense | 151,000 | 306,000 | 491,000 | 690,000 |
| Net interest income | 2,067,000 | 4,196,000 | 6,388,000 | 8,612,000 |
| Noninterest income | 235,000 | 473,000 | 705,000 | 938,000 |
| Noninterest expense | 1,421,000 | 2,854,000 | 4,215,000 | 5,715,000 |
| Provision for loan losses | 50,000 | 125,000 | 255,000 | 921,000 |
| Pretax income | 833,000 | 1,692,000 | 2,628,000 | 2,938,000 |
| Income tax | 270,000 | 410,000 | 700,000 | 406,000 |
| Net income | 563,000 | 1,282,000 | 1,928,000 | 2,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,853,000 | 26,467,000 | 26,999,000 | 27,454,000 |
| Total capital | 27,642,000 | 28,284,000 | 28,863,000 | 29,367,000 |
| Risk-weighted assets | 142,313,000 | 144,506,000 | 148,174,000 | 151,543,000 |