Call reports 2018
CITIZENS BANK, THE — 2018
What CITIZENS BANK, THE 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 | 124,809,000 | 125,660,000 | 127,614,000 | 134,130,000 |
| Total loans | 88,936,000 | 90,745,000 | 92,678,000 | 97,873,000 |
| Allowance for loan losses | 1,321,000 | 1,361,000 | 1,469,000 | 1,162,000 |
| Securities available for sale | 24,565,000 | 23,738,000 | 23,346,000 | 23,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,425,000 | 93,672,000 | 94,243,000 | 99,181,000 |
| Interest-bearing deposits | 75,062,000 | 74,961,000 | 75,987,000 | 78,332,000 |
| Noninterest-bearing deposits | 19,363,000 | 18,711,000 | 18,256,000 | 20,849,000 |
| Equity capital | 16,525,000 | 16,748,000 | 16,669,000 | 16,157,000 |
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 | 1,353,000 | 2,817,000 | 4,328,000 | 5,872,000 |
| Interest expense | 176,000 | 410,000 | 695,000 | 1,044,000 |
| Net interest income | 1,177,000 | 2,407,000 | 3,633,000 | 4,828,000 |
| Noninterest income | 168,000 | 334,000 | 530,000 | 756,000 |
| Noninterest expense | 1,004,000 | 2,024,000 | 3,071,000 | 4,258,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 1,235,000 |
| Pretax income | 236,000 | 507,000 | 777,000 | 91,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 507,000 | 777,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,121,000 | 17,369,000 | 17,573,000 | 16,736,000 |
| Total capital | 18,247,000 | 18,508,000 | 18,747,000 | 17,906,000 |
| Risk-weighted assets | 88,792,000 | 89,775,000 | 92,780,000 | 98,877,000 |