Call reports 2017
CITIZENS BANK, THE — 2017
What CITIZENS BANK, THE 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 | 101,398,000 | 101,483,000 | 102,822,000 | 95,410,000 |
| Total loans | 42,573,000 | 41,774,000 | 42,897,000 | 44,871,000 |
| Allowance for loan losses | 1,010,000 | 995,000 | 486,000 | 501,000 |
| Securities available for sale | 45,679,000 | 49,045,000 | 48,902,000 | 46,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,340,000 | 83,649,000 | 84,759,000 | 80,920,000 |
| Interest-bearing deposits | 65,133,000 | 65,225,000 | 64,069,000 | 60,983,000 |
| Noninterest-bearing deposits | 19,208,000 | 18,424,000 | 20,690,000 | 19,937,000 |
| Equity capital | 12,540,000 | 13,310,000 | 13,518,000 | 12,467,000 |
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 | 871,000 | 1,739,000 | 2,612,000 | 3,521,000 |
| Interest expense | 146,000 | 289,000 | 428,000 | 565,000 |
| Net interest income | 725,000 | 1,450,000 | 2,184,000 | 2,956,000 |
| Noninterest income | 51,000 | 96,000 | 88,000 | 137,000 |
| Noninterest expense | 321,000 | 646,000 | 968,000 | 1,480,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 458,000 | 904,000 | 1,308,000 | 1,618,000 |
| Income tax | 36,000 | 138,000 | 225,000 | 454,000 |
| Net income | 422,000 | 766,000 | 1,083,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,666,000 | 13,010,000 | 13,032,000 | 12,603,000 |
| Total capital | 13,547,000 | 13,672,000 | 13,518,000 | 13,104,000 |
| Risk-weighted assets | 70,495,000 | 52,595,000 | 54,208,000 | 55,211,000 |