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 | 142,400,000 | 140,124,000 | 140,435,000 | 141,610,000 |
| Total loans | 108,381,000 | 109,854,000 | 111,256,000 | 114,114,000 |
| Allowance for loan losses | 1,100,000 | 1,146,000 | 1,146,000 | 1,069,000 |
| Securities available for sale | 12,358,000 | 11,936,000 | 11,465,000 | 10,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,467,000 | 119,973,000 | 119,500,000 | 118,306,000 |
| Interest-bearing deposits | 105,656,000 | 104,574,000 | 105,045,000 | 104,404,000 |
| Noninterest-bearing deposits | 14,811,000 | 15,399,000 | 14,455,000 | 13,902,000 |
| Equity capital | 15,177,000 | 15,301,000 | 15,500,000 | 15,158,000 |
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 | 1,550,000 | 3,130,000 | 4,751,000 | 6,420,000 |
| Interest expense | 223,000 | 459,000 | 697,000 | 968,000 |
| Net interest income | 1,327,000 | 2,671,000 | 4,054,000 | 5,452,000 |
| Noninterest income | 327,000 | 652,000 | 911,000 | 1,159,000 |
| Noninterest expense | 1,259,000 | 2,581,000 | 3,898,000 | 5,162,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 140,000 |
| Pretax income | 335,000 | 622,000 | 927,000 | 1,309,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 335,000 | 622,000 | 927,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,719,000 | 14,839,000 | 15,078,000 | 14,660,000 |
| Total capital | 15,819,000 | 15,985,000 | 16,224,000 | 15,729,000 |
| Risk-weighted assets | 100,787,000 | 101,245,000 | 101,879,000 | 103,164,000 |