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 | 169,652,000 | 162,606,000 | 171,275,000 | 184,142,000 |
| Total loans | 139,986,000 | 143,960,000 | 147,879,000 | 161,142,000 |
| Allowance for loan losses | 1,652,000 | 1,705,000 | 1,691,000 | 1,811,000 |
| Securities available for sale | 11,902,000 | 9,089,000 | 9,929,000 | 11,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,717,000 | 146,866,000 | 155,088,000 | 166,517,000 |
| Interest-bearing deposits | 121,722,000 | 112,226,000 | 121,415,000 | 133,514,000 |
| Noninterest-bearing deposits | 32,995,000 | 34,640,000 | 33,673,000 | 33,003,000 |
| Equity capital | 14,072,000 | 14,837,000 | 15,173,000 | 14,739,000 |
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 | 1,754,000 | 3,662,000 | 5,577,000 | 7,592,000 |
| Interest expense | 103,000 | 216,000 | 338,000 | 472,000 |
| Net interest income | 1,651,000 | 3,446,000 | 5,239,000 | 7,120,000 |
| Noninterest income | 213,000 | 839,000 | 1,058,000 | 1,120,000 |
| Noninterest expense | 1,658,000 | 3,330,000 | 4,982,000 | 6,689,000 |
| Provision for loan losses | 84,000 | 168,000 | 262,000 | 385,000 |
| Pretax income | 122,000 | 857,000 | 1,123,000 | 1,236,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 122,000 | 857,000 | 1,123,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,962,000 | 14,697,000 | 14,963,000 | 15,076,000 |
| Total capital | 15,614,000 | 16,402,000 | 16,654,000 | 16,887,000 |
| Risk-weighted assets | 132,449,000 | 138,956,000 | 136,248,000 | 150,272,000 |