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 | 51,740,000 | 48,011,000 | 53,525,000 | 48,912,000 |
| Total loans | 22,130,000 | 22,830,000 | 23,352,000 | 25,366,000 |
| Allowance for loan losses | 245,000 | 244,000 | 244,000 | 249,000 |
| Securities available for sale | 21,532,000 | 21,808,000 | 21,024,000 | 20,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,065,000 | 39,513,000 | 45,866,000 | 39,355,000 |
| Interest-bearing deposits | 36,182,000 | 31,644,000 | 36,396,000 | 30,815,000 |
| Noninterest-bearing deposits | 7,883,000 | 7,869,000 | 9,470,000 | 8,540,000 |
| Equity capital | 4,030,000 | 4,133,000 | 4,109,000 | 4,044,000 |
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 | 395,000 | 809,000 | 1,229,000 | 1,660,000 |
| Interest expense | 67,000 | 138,000 | 212,000 | 285,000 |
| Net interest income | 328,000 | 671,000 | 1,017,000 | 1,375,000 |
| Noninterest income | 65,000 | 127,000 | 208,000 | 286,000 |
| Noninterest expense | 311,000 | 623,000 | 941,000 | 1,239,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 82,000 | 175,000 | 284,000 | 415,000 |
| Income tax | 6,000 | 12,000 | 15,000 | 23,000 |
| Net income | 76,000 | 163,000 | 269,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,126,000 | 4,123,000 | 4,139,000 | 4,262,000 |
| Total capital | 4,371,000 | 4,367,000 | 4,383,000 | 4,511,000 |
| Risk-weighted assets | 26,552,000 | 25,321,000 | 28,815,000 | 28,405,000 |