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 | 555,071,000 | 558,052,000 | 568,240,000 | 569,317,000 |
| Total loans | 183,744,000 | 186,252,000 | 181,492,000 | 182,944,000 |
| Allowance for loan losses | 2,047,000 | 1,975,000 | 1,907,000 | 1,649,000 |
| Securities available for sale | 64,838,000 | 63,904,000 | 65,834,000 | 64,978,000 |
| Securities held to maturity | 261,708,000 | 263,161,000 | 273,192,000 | 275,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,688,000 | 461,586,000 | 468,240,000 | 468,444,000 |
| Interest-bearing deposits | 393,818,000 | 394,872,000 | 398,148,000 | 397,019,000 |
| Noninterest-bearing deposits | 67,870,000 | 66,714,000 | 70,092,000 | 71,425,000 |
| Equity capital | 91,206,000 | 94,703,000 | 97,951,000 | 98,957,000 |
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 | 5,651,000 | 11,340,000 | 17,043,000 | 22,747,000 |
| Interest expense | 538,000 | 1,069,000 | 1,599,000 | 2,119,000 |
| Net interest income | 5,113,000 | 10,271,000 | 15,444,000 | 20,628,000 |
| Noninterest income | 518,000 | 1,092,000 | 1,722,000 | 2,380,000 |
| Noninterest expense | 1,805,000 | 3,589,000 | 5,507,000 | 8,026,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,835,000 | 7,871,000 | 11,939,000 | 15,261,000 |
| Income tax | 726,000 | 1,522,000 | 2,330,000 | 2,917,000 |
| Net income | 3,109,000 | 6,349,000 | 9,609,000 | 12,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,911,000 | 94,151,000 | 97,411,000 | 100,145,000 |
| Total capital | 92,958,000 | 96,126,000 | 99,318,000 | 101,794,000 |
| Risk-weighted assets | 326,972,000 | 328,715,000 | 332,061,000 | 336,017,000 |