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 | 74,259,000 | 73,888,000 | 73,373,000 | 72,382,000 |
| Total loans | 35,597,000 | 36,994,000 | 37,139,000 | 38,182,000 |
| Allowance for loan losses | 284,000 | 305,000 | 306,000 | 315,000 |
| Securities available for sale | 19,884,000 | 20,126,000 | 20,440,000 | 19,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,303,000 | 64,680,000 | 63,943,000 | 63,074,000 |
| Interest-bearing deposits | 49,573,000 | 48,170,000 | 47,908,000 | 47,144,000 |
| Noninterest-bearing deposits | 15,730,000 | 16,510,000 | 16,035,000 | 15,930,000 |
| Equity capital | 8,603,000 | 8,841,000 | 9,054,000 | 8,741,000 |
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 | 674,000 | 1,353,000 | 2,062,000 | 2,828,000 |
| Interest expense | 63,000 | 126,000 | 190,000 | 252,000 |
| Net interest income | 611,000 | 1,227,000 | 1,872,000 | 2,576,000 |
| Noninterest income | 182,000 | 393,000 | 594,000 | 750,000 |
| Noninterest expense | 609,000 | 1,233,000 | 1,778,000 | 2,491,000 |
| Provision for loan losses | 32,000 | 57,000 | 57,000 | 69,000 |
| Pretax income | 152,000 | 330,000 | 631,000 | 766,000 |
| Income tax | 25,000 | 50,000 | 124,000 | 286,000 |
| Net income | 127,000 | 280,000 | 507,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,386,000 | 8,599,000 | 8,834,000 | 8,617,000 |
| Total capital | 8,670,000 | 8,904,000 | 9,140,000 | 8,932,000 |
| Risk-weighted assets | 41,093,000 | 42,162,000 | 42,009,000 | 42,260,000 |