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 | 159,394,000 | 157,529,000 | 160,944,000 | 159,818,000 |
| Total loans | 107,070,000 | 111,422,000 | 112,879,000 | 111,887,000 |
| Allowance for loan losses | 487,000 | 513,000 | 543,000 | 571,000 |
| Securities available for sale | 9,719,000 | 9,458,000 | 10,215,000 | 10,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,901,000 | 138,641,000 | 141,658,000 | 140,739,000 |
| Interest-bearing deposits | 114,162,000 | 110,981,000 | 113,159,000 | 110,860,000 |
| Noninterest-bearing deposits | 26,739,000 | 27,660,000 | 28,499,000 | 29,879,000 |
| Equity capital | 15,942,000 | 16,217,000 | 16,518,000 | 16,876,000 |
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 | 1,761,000 | 3,627,000 | 5,591,000 | 7,632,000 |
| Interest expense | 224,000 | 466,000 | 728,000 | 1,054,000 |
| Net interest income | 1,537,000 | 3,161,000 | 4,863,000 | 6,578,000 |
| Noninterest income | 126,000 | 240,000 | 363,000 | 782,000 |
| Noninterest expense | 846,000 | 1,801,000 | 2,712,000 | 3,853,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 787,000 | 1,540,000 | 2,424,000 | 3,387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 787,000 | 1,540,000 | 2,424,000 | 3,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,020,000 | 16,323,000 | 16,632,000 | 16,945,000 |
| Total capital | 16,507,000 | 16,836,000 | 17,175,000 | 17,516,000 |
| Risk-weighted assets | 124,439,000 | 128,851,000 | 131,856,000 | 129,588,000 |