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 | 683,944,000 | 692,272,000 | 704,412,000 | 708,761,000 |
| Total loans | 436,169,000 | 430,318,000 | 427,425,000 | 436,385,000 |
| Allowance for loan losses | 12,616,000 | 12,341,000 | 12,260,000 | 4,501,000 |
| Securities available for sale | 106,728,000 | 112,395,000 | 114,506,000 | 113,562,000 |
| Securities held to maturity | 28,720,000 | 26,185,000 | 26,412,000 | 24,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 599,422,000 | 606,491,000 | 616,810,000 | 623,307,000 |
| Interest-bearing deposits | 493,837,000 | 494,138,000 | 500,712,000 | 506,302,000 |
| Noninterest-bearing deposits | 105,585,000 | 112,353,000 | 116,098,000 | 117,004,000 |
| Equity capital | 82,655,000 | 84,132,000 | 85,844,000 | 85,131,000 |
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 | 5,655,000 | 11,392,000 | 17,166,000 | 23,036,000 |
| Interest expense | 610,000 | 1,259,000 | 1,949,000 | 2,647,000 |
| Net interest income | 5,045,000 | 10,133,000 | 15,217,000 | 20,389,000 |
| Noninterest income | 1,318,000 | 3,229,000 | 4,888,000 | 5,864,000 |
| Noninterest expense | 4,251,000 | 8,639,000 | 12,492,000 | 16,490,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,112,000 | 4,723,000 | 7,613,000 | 9,763,000 |
| Income tax | 666,000 | 1,626,000 | 2,546,000 | 3,184,000 |
| Net income | 1,446,000 | 3,097,000 | 5,067,000 | 6,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,242,000 | 84,491,000 | 86,186,000 | 87,148,000 |
| Total capital | 89,013,000 | 90,196,000 | 91,782,000 | 91,649,000 |
| Risk-weighted assets | 454,830,000 | 449,790,000 | 440,992,000 | 444,385,000 |