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 | 212,339,000 | 212,042,000 | 211,668,000 | 211,041,000 |
| Total loans | 160,896,000 | 165,607,000 | 167,472,000 | 172,046,000 |
| Allowance for loan losses | 2,438,000 | 2,466,000 | 2,498,000 | 2,546,000 |
| Securities available for sale | 25,634,000 | 27,119,000 | 26,725,000 | 25,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,347,000 | 181,669,000 | 179,658,000 | 178,799,000 |
| Interest-bearing deposits | 140,302,000 | 146,158,000 | 142,188,000 | 142,584,000 |
| Noninterest-bearing deposits | 42,045,000 | 35,511,000 | 37,470,000 | 36,215,000 |
| Equity capital | 20,930,000 | 21,717,000 | 21,607,000 | 21,899,000 |
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 | 2,447,000 | 4,979,000 | 7,550,000 | 10,189,000 |
| Interest expense | 339,000 | 684,000 | 1,026,000 | 1,371,000 |
| Net interest income | 2,108,000 | 4,295,000 | 6,524,000 | 8,818,000 |
| Noninterest income | 279,000 | 546,000 | 802,000 | 1,062,000 |
| Noninterest expense | 1,495,000 | 2,970,000 | 4,402,000 | 6,068,000 |
| Provision for loan losses | 40,000 | 57,000 | 99,000 | 154,000 |
| Pretax income | 852,000 | 1,814,000 | 2,825,000 | 3,658,000 |
| Income tax | 326,000 | 694,000 | 1,081,000 | 1,476,000 |
| Net income | 526,000 | 1,120,000 | 1,744,000 | 2,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,137,000 | 21,731,000 | 21,607,000 | 22,045,000 |
| Total capital | 23,310,000 | 23,930,000 | 23,867,000 | 24,317,000 |
| Risk-weighted assets | 173,571,000 | 175,676,000 | 180,594,000 | 181,508,000 |