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 | 212,541,000 | 214,949,000 | 210,722,000 | 216,844,000 |
| Total loans | 175,536,000 | 175,951,000 | 174,791,000 | 170,529,000 |
| Allowance for loan losses | 2,567,000 | 2,680,000 | 2,686,000 | 2,693,000 |
| Securities available for sale | 23,896,000 | 22,857,000 | 21,928,000 | 21,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,349,000 | 182,718,000 | 178,746,000 | 186,810,000 |
| Interest-bearing deposits | 142,393,000 | 143,356,000 | 141,804,000 | 150,652,000 |
| Noninterest-bearing deposits | 36,956,000 | 39,362,000 | 36,942,000 | 36,158,000 |
| Equity capital | 22,366,000 | 23,108,000 | 22,973,000 | 23,909,000 |
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 | 2,637,000 | 5,338,000 | 8,174,000 | 11,071,000 |
| Interest expense | 345,000 | 743,000 | 1,176,000 | 1,672,000 |
| Net interest income | 2,292,000 | 4,595,000 | 6,998,000 | 9,399,000 |
| Noninterest income | 275,000 | 579,000 | 899,000 | 1,182,000 |
| Noninterest expense | 1,499,000 | 2,907,000 | 4,472,000 | 6,016,000 |
| Provision for loan losses | 60,000 | 180,000 | 250,000 | 270,000 |
| Pretax income | 1,008,000 | 2,087,000 | 3,175,000 | 4,295,000 |
| Income tax | 266,000 | 550,000 | 836,000 | 1,090,000 |
| Net income | 742,000 | 1,537,000 | 2,339,000 | 3,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,788,000 | 23,582,000 | 23,500,000 | 24,366,000 |
| Total capital | 25,077,000 | 25,918,000 | 25,774,000 | 26,617,000 |
| Risk-weighted assets | 182,846,000 | 186,541,000 | 181,524,000 | 179,627,000 |