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 | 838,377,000 | 833,714,000 | 831,944,000 | 840,984,000 |
| Total loans | 594,294,000 | 606,438,000 | 572,474,000 | 569,935,000 |
| Allowance for loan losses | 5,521,000 | 5,879,000 | 5,874,000 | 5,804,000 |
| Securities available for sale | 191,020,000 | 178,963,000 | 212,965,000 | 221,501,000 |
| Securities held to maturity | 0 | 0 | 1,159,000 | 9,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 686,563,000 | 672,102,000 | 661,647,000 | 688,004,000 |
| Interest-bearing deposits | 567,890,000 | 556,152,000 | 547,990,000 | 576,659,000 |
| Noninterest-bearing deposits | 118,673,000 | 115,950,000 | 113,657,000 | 111,345,000 |
| Equity capital | 102,461,000 | 103,524,000 | 104,728,000 | 107,330,000 |
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 | 9,209,000 | 19,186,000 | 29,326,000 | 39,722,000 |
| Interest expense | 1,130,000 | 2,544,000 | 4,219,000 | 6,047,000 |
| Net interest income | 8,079,000 | 16,642,000 | 25,107,000 | 33,675,000 |
| Noninterest income | 3,212,000 | 6,930,000 | 11,053,000 | 14,025,000 |
| Noninterest expense | 7,056,000 | 14,457,000 | 21,980,000 | 29,151,000 |
| Provision for loan losses | 361,000 | 711,000 | 795,000 | 981,000 |
| Pretax income | 3,874,000 | 8,404,000 | 13,430,000 | 17,612,000 |
| Income tax | 213,000 | 451,000 | 710,000 | 566,000 |
| Net income | 3,375,000 | 6,957,000 | 11,275,000 | 15,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,635,000 | 94,583,000 | 96,493,000 | 98,070,000 |
| Total capital | 98,156,000 | 100,462,000 | 102,367,000 | 103,874,000 |
| Risk-weighted assets | 636,740,000 | 645,805,000 | 633,881,000 | 645,718,000 |