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 | 74,883,000 | 74,370,000 | 73,470,000 | 73,132,000 |
| Total loans | 37,741,000 | 39,255,000 | 38,431,000 | 39,607,000 |
| Allowance for loan losses | 316,000 | 326,000 | 301,000 | 293,000 |
| Securities available for sale | 19,301,000 | 18,107,000 | 18,957,000 | 18,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,811,000 | 65,191,000 | 64,059,000 | 63,721,000 |
| Interest-bearing deposits | 47,888,000 | 47,598,000 | 46,061,000 | 44,627,000 |
| Noninterest-bearing deposits | 17,923,000 | 17,593,000 | 17,998,000 | 19,094,000 |
| Equity capital | 8,637,000 | 8,731,000 | 8,861,000 | 8,889,000 |
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 | 716,000 | 1,490,000 | 2,285,000 | 3,096,000 |
| Interest expense | 63,000 | 133,000 | 208,000 | 284,000 |
| Net interest income | 653,000 | 1,357,000 | 2,077,000 | 2,812,000 |
| Noninterest income | 189,000 | 359,000 | 566,000 | 745,000 |
| Noninterest expense | 682,000 | 1,322,000 | 1,934,000 | 2,613,000 |
| Provision for loan losses | 25,000 | 49,000 | 74,000 | 104,000 |
| Pretax income | 135,000 | 345,000 | 635,000 | 840,000 |
| Income tax | 50,000 | 122,000 | 197,000 | 281,000 |
| Net income | 85,000 | 223,000 | 438,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,851,000 | 8,944,000 | 9,318,000 | 8,921,000 |
| Total capital | 9,167,000 | 9,270,000 | 9,619,000 | 9,214,000 |
| Risk-weighted assets | 40,607,000 | 45,635,000 | 41,343,000 | 40,715,000 |