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 | 120,250,000 | 121,543,000 | 120,728,000 | 121,225,000 |
| Total loans | 104,883,000 | 107,102,000 | 106,800,000 | 106,372,000 |
| Allowance for loan losses | 827,000 | 865,000 | 896,000 | 946,000 |
| Securities available for sale | 634,000 | 629,000 | 617,000 | 520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,962,000 | 101,386,000 | 103,615,000 | 103,281,000 |
| Interest-bearing deposits | 72,525,000 | 72,900,000 | 73,511,000 | 71,182,000 |
| Noninterest-bearing deposits | 31,437,000 | 28,486,000 | 30,104,000 | 32,099,000 |
| Equity capital | 9,949,000 | 10,125,000 | 10,213,000 | 10,513,000 |
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 | 1,491,000 | 3,044,000 | 4,647,000 | 6,329,000 |
| Interest expense | 124,000 | 272,000 | 455,000 | 641,000 |
| Net interest income | 1,367,000 | 2,772,000 | 4,192,000 | 5,688,000 |
| Noninterest income | 181,000 | 364,000 | 536,000 | 723,000 |
| Noninterest expense | 1,157,000 | 2,236,000 | 3,294,000 | 4,351,000 |
| Provision for loan losses | 35,000 | 69,000 | 104,000 | 138,000 |
| Pretax income | 356,000 | 831,000 | 1,329,000 | 1,922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 356,000 | 831,000 | 1,329,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,945,000 | 10,125,000 | 10,214,000 | 10,513,000 |
| Total capital | 10,772,000 | 10,990,000 | 11,110,000 | 11,459,000 |
| Risk-weighted assets | 96,076,000 | 98,197,000 | 97,654,000 | 99,765,000 |