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 | 95,852,000 | 97,052,000 | 95,386,000 | 93,415,000 |
| Total loans | 43,558,000 | 42,843,000 | 43,230,000 | 43,935,000 |
| Allowance for loan losses | 520,000 | 517,000 | 504,000 | 514,000 |
| Securities available for sale | 44,855,000 | 43,648,000 | 43,683,000 | 42,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,544,000 | 81,522,000 | 79,777,000 | 77,980,000 |
| Interest-bearing deposits | 62,362,000 | 61,884,000 | 60,913,000 | 58,237,000 |
| Noninterest-bearing deposits | 18,182,000 | 19,638,000 | 18,864,000 | 19,742,000 |
| Equity capital | 12,301,000 | 12,529,000 | 12,601,000 | 12,350,000 |
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 | 858,000 | 1,740,000 | 2,628,000 | 3,534,000 |
| Interest expense | 127,000 | 257,000 | 395,000 | 543,000 |
| Net interest income | 731,000 | 1,483,000 | 2,233,000 | 2,991,000 |
| Noninterest income | 53,000 | 96,000 | 141,000 | 183,000 |
| Noninterest expense | 340,000 | 687,000 | 1,028,000 | 1,552,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 445,000 | 894,000 | 1,342,000 | 1,599,000 |
| Income tax | 0 | 95,000 | 167,000 | 306,000 |
| Net income | 445,000 | 799,000 | 1,175,000 | 1,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,047,000 | 13,402,000 | 13,777,000 | 13,025,000 |
| Total capital | 13,567,000 | 13,919,000 | 14,281,000 | 13,539,000 |
| Risk-weighted assets | 54,628,000 | 53,724,000 | 54,113,000 | 53,667,000 |