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 | 182,993,000 | 186,896,000 | 181,731,000 | 188,330,000 |
| Total loans | 142,736,000 | 145,795,000 | 149,116,000 | 157,174,000 |
| Allowance for loan losses | 3,436,000 | 3,476,000 | 3,458,000 | 3,461,000 |
| Securities available for sale | 24,161,000 | 22,576,000 | 22,512,000 | 21,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,012,000 | 160,745,000 | 154,070,000 | 155,982,000 |
| Interest-bearing deposits | 115,205,000 | 115,329,000 | 108,800,000 | 110,137,000 |
| Noninterest-bearing deposits | 41,806,000 | 45,416,000 | 45,270,000 | 45,844,000 |
| Equity capital | 23,999,000 | 24,251,000 | 24,247,000 | 24,118,000 |
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 | 1,792,000 | 3,658,000 | 5,568,000 | 7,502,000 |
| Interest expense | 93,000 | 186,000 | 275,000 | 382,000 |
| Net interest income | 1,699,000 | 3,472,000 | 5,293,000 | 7,120,000 |
| Noninterest income | 258,000 | 540,000 | 816,000 | 1,097,000 |
| Noninterest expense | 1,437,000 | 3,016,000 | 4,426,000 | 5,980,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 520,000 | 996,000 | 1,683,000 | 2,237,000 |
| Income tax | 155,000 | 293,000 | 502,000 | 913,000 |
| Net income | 365,000 | 703,000 | 1,181,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,036,000 | 24,225,000 | 24,238,000 | 24,229,000 |
| Total capital | 26,239,000 | 26,454,000 | 26,529,000 | 26,607,000 |
| Risk-weighted assets | 175,032,000 | 177,102,000 | 182,143,000 | 189,171,000 |