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 | 457,556,000 | 461,472,000 | 458,662,000 | 462,395,000 |
| Total loans | 326,264,000 | 333,153,000 | 338,440,000 | 343,308,000 |
| Allowance for loan losses | 4,493,000 | 4,591,000 | 4,723,000 | 4,600,000 |
| Securities available for sale | 92,981,000 | 93,940,000 | 94,166,000 | 94,650,000 |
| Securities held to maturity | 202,000 | 202,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,402,000 | 396,225,000 | 393,362,000 | 397,960,000 |
| Interest-bearing deposits | 290,578,000 | 298,415,000 | 295,148,000 | 302,242,000 |
| Noninterest-bearing deposits | 96,823,000 | 97,810,000 | 98,214,000 | 95,718,000 |
| Equity capital | 43,335,000 | 44,383,000 | 44,834,000 | 44,943,000 |
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 | 3,789,000 | 7,705,000 | 11,697,000 | 15,780,000 |
| Interest expense | 230,000 | 467,000 | 709,000 | 962,000 |
| Net interest income | 3,559,000 | 7,238,000 | 10,988,000 | 14,818,000 |
| Noninterest income | 789,000 | 1,621,000 | 2,455,000 | 3,400,000 |
| Noninterest expense | 3,217,000 | 6,266,000 | 9,554,000 | 12,707,000 |
| Provision for loan losses | 60,000 | 162,000 | 264,000 | 403,000 |
| Pretax income | 1,071,000 | 2,431,000 | 3,625,000 | 5,108,000 |
| Income tax | 374,000 | 857,000 | 1,268,000 | 2,081,000 |
| Net income | 697,000 | 1,574,000 | 2,357,000 | 3,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,930,000 | 43,651,000 | 44,269,000 | 44,763,000 |
| Total capital | 47,343,000 | 48,186,000 | 48,908,000 | 49,363,000 |
| Risk-weighted assets | 353,016,000 | 362,812,000 | 371,032,000 | 370,344,000 |
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