Call reports 2018
CITIZENS' BANK, INC. — 2018
What CITIZENS' BANK, INC. 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 | 109,489,000 | 107,998,000 | 106,522,000 | 105,742,000 |
| Total loans | 69,132,000 | 68,104,000 | 70,204,000 | 71,742,000 |
| Allowance for loan losses | 1,064,000 | 1,061,000 | 1,065,000 | 993,000 |
| Securities available for sale | 21,751,000 | 21,079,000 | 21,132,000 | 20,395,000 |
| Securities held to maturity | 956,000 | 956,000 | 956,000 | 956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,952,000 | 95,313,000 | 93,536,000 | 92,418,000 |
| Interest-bearing deposits | 60,827,000 | 60,427,000 | 59,922,000 | 58,673,000 |
| Noninterest-bearing deposits | 36,125,000 | 34,886,000 | 33,614,000 | 33,745,000 |
| Equity capital | 12,025,000 | 12,185,000 | 12,445,000 | 12,704,000 |
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 | 1,062,000 | 2,181,000 | 3,368,000 | 4,550,000 |
| Interest expense | 58,000 | 132,000 | 212,000 | 300,000 |
| Net interest income | 1,004,000 | 2,049,000 | 3,156,000 | 4,250,000 |
| Noninterest income | 152,000 | 294,000 | 489,000 | 492,000 |
| Noninterest expense | 910,000 | 1,877,000 | 2,791,000 | 3,808,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 246,000 | 466,000 | 854,000 | 934,000 |
| Income tax | 0 | 0 | 0 | 28,000 |
| Net income | 246,000 | 466,000 | 854,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,420,000 | 12,671,000 | 13,028,000 | 13,080,000 |
| Total capital | 13,244,000 | 13,497,000 | 13,866,000 | 13,936,000 |
| Risk-weighted assets | 65,576,000 | 65,915,000 | 66,836,000 | 68,320,000 |