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 | 61,790,000 | 61,272,000 | 120,541,000 | 119,988,000 |
| Total loans | 51,042,000 | 52,235,000 | 102,498,000 | 103,110,000 |
| Allowance for loan losses | 379,000 | 422,000 | 912,000 | 788,000 |
| Securities available for sale | 0 | 0 | 1,182,000 | 1,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,727,000 | 54,372,000 | 98,036,000 | 104,020,000 |
| Interest-bearing deposits | 36,064,000 | 36,733,000 | 68,503,000 | 71,815,000 |
| Noninterest-bearing deposits | 18,663,000 | 17,639,000 | 29,533,000 | 32,205,000 |
| Equity capital | 4,933,000 | 4,723,000 | 10,119,000 | 9,660,000 |
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 | 736,000 | 1,503,000 | 4,134,000 | 5,626,000 |
| Interest expense | 43,000 | 98,000 | 280,000 | 411,000 |
| Net interest income | 693,000 | 1,405,000 | 3,854,000 | 5,215,000 |
| Noninterest income | 144,000 | 296,000 | 637,000 | 1,030,000 |
| Noninterest expense | 623,000 | 1,235,000 | 3,366,000 | 4,540,000 |
| Provision for loan losses | 15,000 | 58,000 | 105,000 | 139,000 |
| Pretax income | 199,000 | 408,000 | 1,020,000 | 1,566,000 |
| Income tax | 0 | 0 | -49,000 | -49,000 |
| Net income | 199,000 | 408,000 | 1,069,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,934,000 | 4,723,000 | 10,094,000 | 9,640,000 |
| Total capital | 5,313,000 | 5,145,000 | 11,006,000 | 10,428,000 |
| Risk-weighted assets | 48,370,000 | 48,244,000 | 96,026,000 | 95,497,000 |