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 | 196,041,000 | 200,666,000 | 210,257,000 | 216,271,000 |
| Total loans | 161,081,000 | 169,606,000 | 178,588,000 | 184,432,000 |
| Allowance for loan losses | 3,474,000 | 3,480,000 | 3,436,000 | 3,589,000 |
| Securities available for sale | 20,471,000 | 20,378,000 | 19,846,000 | 19,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,489,000 | 164,559,000 | 168,560,000 | 172,738,000 |
| Interest-bearing deposits | 116,247,000 | 117,649,000 | 120,544,000 | 126,495,000 |
| Noninterest-bearing deposits | 48,242,000 | 46,909,000 | 48,016,000 | 46,243,000 |
| Equity capital | 24,532,000 | 24,772,000 | 25,398,000 | 25,246,000 |
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 | 1,978,000 | 4,057,000 | 6,265,000 | 8,629,000 |
| Interest expense | 146,000 | 328,000 | 594,000 | 945,000 |
| Net interest income | 1,832,000 | 3,729,000 | 5,671,000 | 7,684,000 |
| Noninterest income | 274,000 | 530,000 | 858,000 | 1,147,000 |
| Noninterest expense | 1,488,000 | 3,106,000 | 4,597,000 | 6,866,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 618,000 | 1,153,000 | 1,932,000 | 1,815,000 |
| Income tax | 115,000 | 214,000 | 370,000 | 323,000 |
| Net income | 503,000 | 939,000 | 1,562,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,732,000 | 25,015,000 | 25,638,000 | 25,410,000 |
| Total capital | 27,107,000 | 27,524,000 | 28,273,000 | 28,097,000 |
| Risk-weighted assets | 188,886,000 | 199,770,000 | 209,979,000 | 214,093,000 |