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 | 719,491,000 | 703,400,000 | 690,007,000 | 679,648,000 |
| Total loans | 255,731,000 | 266,374,000 | 271,358,000 | 277,014,000 |
| Allowance for loan losses | 3,458,000 | 3,899,000 | 4,065,000 | 4,238,000 |
| Securities available for sale | 143,193,000 | 138,931,000 | 124,780,000 | 117,540,000 |
| Securities held to maturity | 223,612,000 | 230,712,000 | 229,817,000 | 228,892,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,740,000 | 561,806,000 | 553,126,000 | 544,110,000 |
| Interest-bearing deposits | 402,005,000 | 394,078,000 | 379,537,000 | 383,585,000 |
| Noninterest-bearing deposits | 169,735,000 | 167,728,000 | 173,589,000 | 160,525,000 |
| Equity capital | 67,499,000 | 67,493,000 | 67,146,000 | 69,036,000 |
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 | 6,005,000 | 12,184,000 | 18,463,000 | 24,854,000 |
| Interest expense | 649,000 | 1,297,000 | 1,974,000 | 2,671,000 |
| Net interest income | 5,356,000 | 10,887,000 | 16,489,000 | 22,183,000 |
| Noninterest income | 1,269,000 | 2,679,000 | 4,046,000 | 5,477,000 |
| Noninterest expense | 3,715,000 | 7,218,000 | 10,879,000 | 14,737,000 |
| Provision for loan losses | 28,000 | 495,000 | 693,000 | 883,000 |
| Pretax income | 2,784,000 | 5,755,000 | 8,865,000 | 11,918,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,784,000 | 5,755,000 | 8,865,000 | 11,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,860,000 | 70,330,000 | 70,692,000 | 71,354,000 |
| Total capital | 73,808,000 | 74,431,000 | 74,812,000 | 75,537,000 |
| Risk-weighted assets | 343,735,000 | 328,084,000 | 329,503,000 | 334,457,000 |