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 | 409,785,000 | 409,063,000 | 422,716,000 | 429,706,000 |
| Total loans | 240,106,000 | 245,570,000 | 249,551,000 | 256,744,000 |
| Allowance for loan losses | 4,151,000 | 4,343,000 | 4,360,000 | 4,256,000 |
| Securities available for sale | 58,524,000 | 62,514,000 | 66,537,000 | 66,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,175,000 | 357,888,000 | 370,576,000 | 379,627,000 |
| Interest-bearing deposits | 274,202,000 | 272,991,000 | 278,994,000 | 282,940,000 |
| Noninterest-bearing deposits | 83,973,000 | 84,897,000 | 91,582,000 | 96,687,000 |
| Equity capital | 42,494,000 | 43,302,000 | 44,021,000 | 42,259,000 |
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 | 3,750,000 | 7,582,000 | 11,436,000 | 15,244,000 |
| Interest expense | 280,000 | 554,000 | 815,000 | 1,068,000 |
| Net interest income | 3,470,000 | 7,028,000 | 10,621,000 | 14,176,000 |
| Noninterest income | 1,065,000 | 2,102,000 | 3,266,000 | 4,382,000 |
| Noninterest expense | 3,269,000 | 6,889,000 | 10,387,000 | 13,918,000 |
| Provision for loan losses | 75,000 | 150,000 | 185,000 | 200,000 |
| Pretax income | 1,191,000 | 2,091,000 | 3,315,000 | 4,440,000 |
| Income tax | 397,000 | 696,000 | 1,103,000 | 1,438,000 |
| Net income | 794,000 | 1,395,000 | 2,212,000 | 3,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,931,000 | 39,550,000 | 40,384,000 | 40,440,000 |
| Total capital | 41,979,000 | 42,654,000 | 43,595,000 | 43,675,000 |
| Risk-weighted assets | 242,724,000 | 247,043,000 | 255,749,000 | 257,810,000 |