Call reports 2016
CITIZENS BANK, THE — 2016
What CITIZENS BANK, THE 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 | 132,257,000 | 132,879,000 | 130,755,000 | 135,250,000 |
| Total loans | 94,569,000 | 98,781,000 | 100,106,000 | 99,964,000 |
| Allowance for loan losses | 860,000 | 867,000 | 855,000 | 706,000 |
| Securities available for sale | 19,097,000 | 18,545,000 | 18,300,000 | 17,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,530,000 | 106,051,000 | 103,482,000 | 106,547,000 |
| Interest-bearing deposits | 72,498,000 | 71,978,000 | 69,140,000 | 72,118,000 |
| Noninterest-bearing deposits | 34,032,000 | 34,073,000 | 34,342,000 | 34,429,000 |
| Equity capital | 12,687,000 | 12,697,000 | 12,748,000 | 12,448,000 |
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 | 1,276,000 | 2,599,000 | 3,920,000 | 5,310,000 |
| Interest expense | 70,000 | 137,000 | 201,000 | 273,000 |
| Net interest income | 1,206,000 | 2,462,000 | 3,719,000 | 5,037,000 |
| Noninterest income | 244,000 | 462,000 | 707,000 | 923,000 |
| Noninterest expense | 1,207,000 | 2,398,000 | 3,617,000 | 4,950,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 213,000 | 466,000 | 719,000 | 890,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 213,000 | 466,000 | 719,000 | 890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,628,000 | 10,484,000 | 10,596,000 | 10,683,000 |
| Total capital | 11,488,000 | 11,351,000 | 11,451,000 | 11,389,000 |
| Risk-weighted assets | 77,921,000 | 80,957,000 | 81,959,000 | 82,748,000 |