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 | 849,289,000 | 851,479,000 | 837,672,000 | 825,128,000 |
| Total loans | 553,914,000 | 567,694,000 | 573,085,000 | 579,858,000 |
| Allowance for loan losses | 3,761,000 | 4,661,000 | 4,841,000 | 5,151,000 |
| Securities available for sale | 236,133,000 | 227,330,000 | 215,510,000 | 202,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 661,353,000 | 694,816,000 | 671,725,000 | 667,445,000 |
| Interest-bearing deposits | 561,973,000 | 592,222,000 | 558,384,000 | 562,641,000 |
| Noninterest-bearing deposits | 99,380,000 | 102,594,000 | 113,341,000 | 104,804,000 |
| Equity capital | 97,187,000 | 101,829,000 | 104,523,000 | 102,792,000 |
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 | 8,896,000 | 18,387,000 | 27,971,000 | 37,209,000 |
| Interest expense | 753,000 | 1,513,000 | 2,555,000 | 3,495,000 |
| Net interest income | 8,143,000 | 16,874,000 | 25,416,000 | 33,714,000 |
| Noninterest income | 2,871,000 | 6,431,000 | 9,199,000 | 12,998,000 |
| Noninterest expense | 6,606,000 | 13,510,000 | 20,278,000 | 28,113,000 |
| Provision for loan losses | 152,000 | 632,000 | 1,011,000 | 1,706,000 |
| Pretax income | 4,256,000 | 9,207,000 | 13,456,000 | 17,022,000 |
| Income tax | 212,000 | 494,000 | 722,000 | 811,000 |
| Net income | 3,706,000 | 7,887,000 | 11,689,000 | 14,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,862,000 | 89,817,000 | 94,160,000 | 94,072,000 |
| Total capital | 90,623,000 | 94,478,000 | 99,001,000 | 99,225,000 |
| Risk-weighted assets | 570,414,000 | 569,778,000 | 591,263,000 | 621,098,000 |