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 | 435,650,000 | 438,007,000 | 418,951,000 | 420,400,000 |
| Total loans | 331,067,000 | 331,095,000 | 324,084,000 | 323,973,000 |
| Allowance for loan losses | 4,429,000 | 4,505,000 | 4,530,000 | 4,621,000 |
| Securities available for sale | 39,313,000 | 38,507,000 | 36,805,000 | 37,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,205,000 | 383,616,000 | 363,104,000 | 364,750,000 |
| Interest-bearing deposits | 304,107,000 | 303,540,000 | 284,533,000 | 290,320,000 |
| Noninterest-bearing deposits | 78,098,000 | 80,076,000 | 78,571,000 | 74,430,000 |
| Equity capital | 37,007,000 | 37,050,000 | 38,746,000 | 38,244,000 |
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 | 4,902,000 | 9,962,000 | 15,111,000 | 20,187,000 |
| Interest expense | 598,000 | 1,231,000 | 1,995,000 | 2,834,000 |
| Net interest income | 4,304,000 | 8,731,000 | 13,116,000 | 17,353,000 |
| Noninterest income | 1,006,000 | 1,963,000 | 3,121,000 | 4,135,000 |
| Noninterest expense | 3,509,000 | 7,105,000 | 10,590,000 | 14,642,000 |
| Provision for loan losses | 161,000 | 282,000 | 525,000 | 578,000 |
| Pretax income | 1,640,000 | 3,307,000 | 5,122,000 | 6,268,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,640,000 | 3,307,000 | 5,122,000 | 6,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,035,000 | 42,152,000 | 43,967,000 | 43,563,000 |
| Total capital | 45,990,000 | 46,112,000 | 47,868,000 | 47,469,000 |
| Risk-weighted assets | 315,921,000 | 316,291,000 | 311,527,000 | 311,791,000 |