Call reports 2018
CITIZENS BANK, NATIONAL ASSOCIATION — 2018
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 106,383,000 | 106,438,000 | 105,754,000 | 104,289,000 |
| Total loans | 77,113,000 | 75,586,000 | 71,041,000 | 71,844,000 |
| Allowance for loan losses | 1,151,000 | 1,151,000 | 1,151,000 | 1,149,000 |
| Securities available for sale | 14,834,000 | 15,480,000 | 17,308,000 | 19,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,023,000 | 83,384,000 | 91,663,000 | 85,549,000 |
| Interest-bearing deposits | 55,743,000 | 53,469,000 | 57,004,000 | 54,338,000 |
| Noninterest-bearing deposits | 31,280,000 | 29,915,000 | 34,659,000 | 31,211,000 |
| Equity capital | 13,684,000 | 13,804,000 | 13,751,000 | 13,700,000 |
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 | 1,132,000 | 2,258,000 | 3,386,000 | 4,572,000 |
| Interest expense | 91,000 | 187,000 | 288,000 | 415,000 |
| Net interest income | 1,041,000 | 2,071,000 | 3,098,000 | 4,157,000 |
| Noninterest income | 134,000 | 237,000 | 356,000 | 465,000 |
| Noninterest expense | 648,000 | 1,301,000 | 1,958,000 | 2,609,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 527,000 | 1,005,000 | 1,494,000 | 2,011,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 527,000 | 1,005,000 | 1,494,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,682,000 | 9,830,000 | 9,840,000 | 9,682,000 |
| Total capital | 10,737,000 | 10,876,000 | 10,830,000 | 10,698,000 |
| Risk-weighted assets | 84,270,000 | 83,612,000 | 79,040,000 | 81,185,000 |