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 | 464,034,000 | 475,107,000 | 482,169,000 | 480,610,000 |
| Total loans | 353,404,000 | 365,224,000 | 370,777,000 | 372,090,000 |
| Allowance for loan losses | 4,667,000 | 4,915,000 | 4,999,000 | 4,932,000 |
| Securities available for sale | 93,188,000 | 93,607,000 | 93,408,000 | 95,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,019,000 | 409,014,000 | 397,111,000 | 395,385,000 |
| Interest-bearing deposits | 294,519,000 | 305,175,000 | 296,478,000 | 300,670,000 |
| Noninterest-bearing deposits | 103,500,000 | 103,838,000 | 100,633,000 | 94,715,000 |
| Equity capital | 44,861,000 | 45,556,000 | 45,879,000 | 47,799,000 |
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 | 4,124,000 | 8,484,000 | 12,938,000 | 17,619,000 |
| Interest expense | 259,000 | 590,000 | 1,050,000 | 1,563,000 |
| Net interest income | 3,865,000 | 7,894,000 | 11,888,000 | 16,056,000 |
| Noninterest income | 906,000 | 1,728,000 | 2,618,000 | 3,686,000 |
| Noninterest expense | 3,374,000 | 6,613,000 | 10,092,000 | 13,673,000 |
| Provision for loan losses | 86,000 | 428,000 | 560,000 | 570,000 |
| Pretax income | 1,311,000 | 2,581,000 | 3,854,000 | 5,499,000 |
| Income tax | 289,000 | 566,000 | 840,000 | 1,208,000 |
| Net income | 1,022,000 | 2,015,000 | 3,014,000 | 4,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,573,000 | 46,371,000 | 47,184,000 | 48,211,000 |
| Total capital | 50,240,000 | 51,262,000 | 52,172,000 | 53,143,000 |
| Risk-weighted assets | 379,970,000 | 391,315,000 | 399,099,000 | 400,586,000 |