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 | 421,031,000 | 412,686,000 | 418,252,000 | 418,126,000 |
| Total loans | 312,028,000 | 321,813,000 | 327,354,000 | 330,389,000 |
| Allowance for loan losses | 4,554,000 | 4,496,000 | 4,476,000 | 4,431,000 |
| Securities available for sale | 45,288,000 | 45,356,000 | 43,481,000 | 42,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,731,000 | 359,172,000 | 363,200,000 | 364,429,000 |
| Interest-bearing deposits | 286,946,000 | 281,371,000 | 284,311,000 | 288,391,000 |
| Noninterest-bearing deposits | 78,785,000 | 77,801,000 | 78,889,000 | 76,038,000 |
| Equity capital | 38,942,000 | 37,133,000 | 38,704,000 | 37,644,000 |
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 | 4,711,000 | 9,507,000 | 14,445,000 | 19,367,000 |
| Interest expense | 464,000 | 941,000 | 1,465,000 | 2,016,000 |
| Net interest income | 4,247,000 | 8,566,000 | 12,980,000 | 17,351,000 |
| Noninterest income | 997,000 | 1,903,000 | 2,855,000 | 4,075,000 |
| Noninterest expense | 3,489,000 | 6,963,000 | 10,423,000 | 14,515,000 |
| Provision for loan losses | 89,000 | 189,000 | 410,000 | 754,000 |
| Pretax income | 1,666,000 | 3,317,000 | 5,002,000 | 6,157,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,666,000 | 3,317,000 | 5,002,000 | 6,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,205,000 | 40,905,000 | 42,590,000 | 42,195,000 |
| Total capital | 46,956,000 | 44,774,000 | 46,534,000 | 46,132,000 |
| Risk-weighted assets | 299,308,000 | 308,895,000 | 315,009,000 | 314,446,000 |