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 | 257,624,000 | 248,136,000 | 252,953,000 | 255,071,000 |
| Total loans | 155,874,000 | 155,452,000 | 158,408,000 | 158,026,000 |
| Allowance for loan losses | 2,707,000 | 2,659,000 | 2,673,000 | 2,714,000 |
| Securities available for sale | 515,000 | 513,000 | 513,000 | 511,000 |
| Securities held to maturity | 37,005,000 | 31,388,000 | 35,185,000 | 36,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,211,000 | 216,032,000 | 220,164,000 | 221,639,000 |
| Interest-bearing deposits | 184,421,000 | 178,342,000 | 184,215,000 | 185,321,000 |
| Noninterest-bearing deposits | 41,790,000 | 37,690,000 | 35,949,000 | 36,318,000 |
| Equity capital | 30,440,000 | 31,053,000 | 31,696,000 | 32,339,000 |
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 | 2,319,000 | 4,653,000 | 6,995,000 | 9,352,000 |
| Interest expense | 266,000 | 523,000 | 785,000 | 1,042,000 |
| Net interest income | 2,053,000 | 4,130,000 | 6,210,000 | 8,310,000 |
| Noninterest income | 229,000 | 483,000 | 753,000 | 1,003,000 |
| Noninterest expense | 1,634,000 | 3,258,000 | 4,915,000 | 6,500,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 260,000 |
| Pretax income | 647,000 | 1,261,000 | 1,904,000 | 2,547,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 647,000 | 1,261,000 | 1,904,000 | 2,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,440,000 | 31,053,000 | 31,694,000 | 32,339,000 |
| Total capital | 32,295,000 | 32,913,000 | 33,619,000 | 34,247,000 |
| Risk-weighted assets | 147,519,000 | 147,973,000 | 153,283,000 | 151,836,000 |