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 | 151,965,000 | 153,521,000 | 154,794,000 | 156,839,000 |
| Total loans | 114,766,000 | 113,711,000 | 115,902,000 | 109,655,000 |
| Allowance for loan losses | 370,000 | 399,000 | 429,000 | 457,000 |
| Securities available for sale | 9,165,000 | 11,613,000 | 10,297,000 | 9,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,475,000 | 134,374,000 | 136,091,000 | 138,692,000 |
| Interest-bearing deposits | 106,969,000 | 109,046,000 | 111,992,000 | 111,301,000 |
| Noninterest-bearing deposits | 26,506,000 | 25,328,000 | 24,099,000 | 27,391,000 |
| Equity capital | 15,169,000 | 15,516,000 | 15,760,000 | 15,737,000 |
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 | 1,670,000 | 3,428,000 | 5,240,000 | 7,037,000 |
| Interest expense | 172,000 | 355,000 | 553,000 | 766,000 |
| Net interest income | 1,498,000 | 3,073,000 | 4,687,000 | 6,271,000 |
| Noninterest income | 134,000 | 257,000 | 379,000 | 494,000 |
| Noninterest expense | 838,000 | 1,728,000 | 2,612,000 | 3,714,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 764,000 | 1,546,000 | 2,367,000 | 2,934,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 764,000 | 1,546,000 | 2,367,000 | 2,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,147,000 | 15,491,000 | 15,746,000 | 15,773,000 |
| Total capital | 15,517,000 | 15,890,000 | 16,175,000 | 16,230,000 |
| Risk-weighted assets | 131,162,000 | 132,183,000 | 133,883,000 | 128,810,000 |