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 | 175,783,000 | 173,102,000 | 174,855,000 | 171,883,000 |
| Total loans | 126,851,000 | 131,026,000 | 136,049,000 | 135,997,000 |
| Allowance for loan losses | 3,043,000 | 3,614,000 | 3,486,000 | 3,443,000 |
| Securities available for sale | 24,635,000 | 25,256,000 | 24,616,000 | 23,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,703,000 | 147,765,000 | 148,899,000 | 146,201,000 |
| Interest-bearing deposits | 109,819,000 | 111,517,000 | 110,438,000 | 108,014,000 |
| Noninterest-bearing deposits | 40,884,000 | 36,248,000 | 38,461,000 | 38,188,000 |
| Equity capital | 23,028,000 | 23,266,000 | 23,661,000 | 23,580,000 |
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 | 1,682,000 | 3,350,000 | 5,078,000 | 6,853,000 |
| Interest expense | 95,000 | 189,000 | 281,000 | 373,000 |
| Net interest income | 1,587,000 | 3,161,000 | 4,797,000 | 6,480,000 |
| Noninterest income | 239,000 | 491,000 | 854,000 | 1,047,000 |
| Noninterest expense | 1,410,000 | 2,880,000 | 4,272,000 | 5,857,000 |
| Provision for loan losses | 0 | 0 | 0 | -135,000 |
| Pretax income | 416,000 | 772,000 | 1,379,000 | 1,805,000 |
| Income tax | 121,000 | 223,000 | 415,000 | 536,000 |
| Net income | 295,000 | 549,000 | 964,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,935,000 | 23,076,000 | 23,504,000 | 23,671,000 |
| Total capital | 25,179,000 | 24,938,000 | 25,534,000 | 25,767,000 |
| Risk-weighted assets | 178,718,000 | 147,174,000 | 160,908,000 | 166,336,000 |