Call reports 2017
CITIZENS' BANK, INC. — 2017
What CITIZENS' BANK, INC. 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 | 110,494,000 | 109,278,000 | 110,502,000 | 109,794,000 |
| Total loans | 70,957,000 | 69,103,000 | 68,420,000 | 69,270,000 |
| Allowance for loan losses | 1,109,000 | 1,054,000 | 1,056,000 | 1,076,000 |
| Securities available for sale | 20,713,000 | 22,000,000 | 22,136,000 | 23,128,000 |
| Securities held to maturity | 955,000 | 956,000 | 956,000 | 956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,284,000 | 96,731,000 | 97,723,000 | 97,138,000 |
| Interest-bearing deposits | 64,139,000 | 62,886,000 | 62,861,000 | 63,255,000 |
| Noninterest-bearing deposits | 34,145,000 | 33,846,000 | 34,862,000 | 33,883,000 |
| Equity capital | 11,709,000 | 12,015,000 | 12,227,000 | 12,152,000 |
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 | 1,021,000 | 2,076,000 | 3,130,000 | 4,174,000 |
| Interest expense | 52,000 | 109,000 | 168,000 | 229,000 |
| Net interest income | 969,000 | 1,967,000 | 2,962,000 | 3,945,000 |
| Noninterest income | 136,000 | 263,000 | 379,000 | 425,000 |
| Noninterest expense | 964,000 | 1,918,000 | 2,779,000 | 3,738,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 312,000 | 562,000 | 632,000 |
| Income tax | 5,000 | 7,000 | 9,000 | 13,000 |
| Net income | 136,000 | 305,000 | 553,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,798,000 | 11,967,000 | 12,215,000 | 12,281,000 |
| Total capital | 12,652,000 | 12,808,000 | 13,055,000 | 13,126,000 |
| Risk-weighted assets | 68,094,000 | 67,063,000 | 67,022,000 | 67,366,000 |