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 | 53,843,000 | 48,762,000 | 52,954,000 | 51,170,000 |
| Total loans | 24,464,000 | 25,209,000 | 25,803,000 | 28,219,000 |
| Allowance for loan losses | 244,000 | 243,000 | 239,000 | 243,000 |
| Securities available for sale | 19,543,000 | 19,877,000 | 19,121,000 | 19,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,250,000 | 41,079,000 | 45,862,000 | 40,203,000 |
| Interest-bearing deposits | 38,261,000 | 32,388,000 | 36,062,000 | 30,432,000 |
| Noninterest-bearing deposits | 8,989,000 | 8,691,000 | 9,800,000 | 9,771,000 |
| Equity capital | 3,944,000 | 3,932,000 | 3,862,000 | 4,109,000 |
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 | 442,000 | 904,000 | 1,372,000 | 1,870,000 |
| Interest expense | 74,000 | 153,000 | 238,000 | 336,000 |
| Net interest income | 368,000 | 751,000 | 1,134,000 | 1,534,000 |
| Noninterest income | 67,000 | 137,000 | 209,000 | 299,000 |
| Noninterest expense | 332,000 | 640,000 | 951,000 | 1,268,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 25,000 |
| Pretax income | 105,000 | 250,000 | 374,000 | 542,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 99,000 | 238,000 | 356,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,271,000 | 4,319,000 | 4,348,000 | 4,422,000 |
| Total capital | 4,515,000 | 4,562,000 | 4,587,000 | 4,665,000 |
| Risk-weighted assets | 28,808,000 | 28,797,000 | 28,652,000 | 30,869,000 |