Call reports 2016
CITIZENS BANK — 2016
What CITIZENS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 370,676,000 | 374,454,000 | 383,696,000 | 378,123,000 |
| Total loans | 199,491,000 | 202,921,000 | 204,503,000 | 199,209,000 |
| Allowance for loan losses | 3,560,000 | 4,050,000 | 4,209,000 | 4,413,000 |
| Securities available for sale | 52,278,000 | 47,839,000 | 45,257,000 | 42,508,000 |
| Securities held to maturity | 3,333,000 | 3,227,000 | 3,124,000 | 3,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,331,000 | 308,978,000 | 297,587,000 | 312,480,000 |
| Interest-bearing deposits | 209,560,000 | 198,578,000 | 190,058,000 | 207,150,000 |
| Noninterest-bearing deposits | 116,771,000 | 110,400,000 | 107,529,000 | 105,330,000 |
| Equity capital | 41,503,000 | 42,267,000 | 42,768,000 | 42,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,255,000 | 6,489,000 | 9,852,000 | 13,270,000 |
| Interest expense | 129,000 | 251,000 | 383,000 | 522,000 |
| Net interest income | 3,126,000 | 6,238,000 | 9,469,000 | 12,748,000 |
| Noninterest income | 551,000 | 1,309,000 | 1,655,000 | 1,975,000 |
| Noninterest expense | 2,557,000 | 5,143,000 | 7,790,000 | 10,340,000 |
| Provision for loan losses | 225,000 | 725,000 | 950,000 | 1,175,000 |
| Pretax income | 895,000 | 1,679,000 | 2,384,000 | 3,208,000 |
| Income tax | 298,000 | 559,000 | 793,000 | 1,067,000 |
| Net income | 597,000 | 1,120,000 | 1,591,000 | 2,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,688,000 | 41,211,000 | 41,683,000 | 42,232,000 |
| Total capital | 43,780,000 | 44,339,000 | 44,767,000 | 45,194,000 |
| Risk-weighted assets | 246,899,000 | 249,335,000 | 245,614,000 | 235,564,000 |