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 | 144,299,000 | 142,011,000 | 141,769,000 | 138,149,000 |
| Total loans | 108,607,000 | 106,371,000 | 106,614,000 | 107,963,000 |
| Allowance for loan losses | 1,103,000 | 1,161,000 | 1,157,000 | 1,068,000 |
| Securities available for sale | 13,655,000 | 14,262,000 | 13,681,000 | 13,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,844,000 | 120,300,000 | 121,836,000 | 118,756,000 |
| Interest-bearing deposits | 105,499,000 | 105,432,000 | 106,630,000 | 104,845,000 |
| Noninterest-bearing deposits | 15,345,000 | 14,868,000 | 15,206,000 | 13,911,000 |
| Equity capital | 15,200,000 | 15,395,000 | 15,502,000 | 15,076,000 |
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 | 1,592,000 | 3,195,000 | 4,772,000 | 6,392,000 |
| Interest expense | 237,000 | 474,000 | 710,000 | 925,000 |
| Net interest income | 1,355,000 | 2,721,000 | 4,062,000 | 5,467,000 |
| Noninterest income | 327,000 | 615,000 | 875,000 | 1,118,000 |
| Noninterest expense | 1,255,000 | 2,546,000 | 3,844,000 | 5,041,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 200,000 |
| Pretax income | 367,000 | 670,000 | 933,000 | 1,344,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 367,000 | 670,000 | 933,000 | 1,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,549,000 | 14,691,000 | 14,830,000 | 14,540,000 |
| Total capital | 15,652,000 | 15,852,000 | 15,987,000 | 15,608,000 |
| Risk-weighted assets | 97,151,000 | 95,059,000 | 97,148,000 | 98,680,000 |