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 | 116,115,000 | 125,147,000 | 131,928,000 | 125,037,000 |
| Total loans | 64,839,000 | 70,140,000 | 74,626,000 | 75,970,000 |
| Allowance for loan losses | 785,000 | 815,000 | 863,000 | 869,000 |
| Securities available for sale | 26,847,000 | 26,703,000 | 27,227,000 | 25,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,132,000 | 111,754,000 | 118,405,000 | 112,230,000 |
| Interest-bearing deposits | 67,469,000 | 73,996,000 | 78,509,000 | 75,956,000 |
| Noninterest-bearing deposits | 35,663,000 | 37,758,000 | 39,896,000 | 36,274,000 |
| Equity capital | 12,744,000 | 13,107,000 | 13,236,000 | 12,639,000 |
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 | 981,000 | 2,050,000 | 3,155,000 | 4,270,000 |
| Interest expense | 99,000 | 201,000 | 308,000 | 424,000 |
| Net interest income | 882,000 | 1,849,000 | 2,847,000 | 3,846,000 |
| Noninterest income | 188,000 | 474,000 | 825,000 | 1,066,000 |
| Noninterest expense | 964,000 | 1,947,000 | 3,037,000 | 4,119,000 |
| Provision for loan losses | 0 | 30,000 | 78,000 | 78,000 |
| Pretax income | 109,000 | 366,000 | 577,000 | 736,000 |
| Income tax | 14,000 | 81,000 | 119,000 | 142,000 |
| Net income | 95,000 | 285,000 | 458,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,872,000 | 12,034,000 | 12,153,000 | 12,427,000 |
| Total capital | 12,657,000 | 12,849,000 | 13,015,000 | 13,296,000 |
| Risk-weighted assets | 71,390,000 | 77,499,000 | 81,093,000 | 82,694,000 |
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