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 | 146,048,000 | 146,656,000 | 142,363,000 | 142,166,000 |
| Total loans | 106,996,000 | 107,299,000 | 109,097,000 | 108,846,000 |
| Allowance for loan losses | 1,079,000 | 1,101,000 | 1,163,000 | 1,065,000 |
| Securities available for sale | 19,931,000 | 17,994,000 | 14,979,000 | 14,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,737,000 | 119,981,000 | 118,481,000 | 119,012,000 |
| Interest-bearing deposits | 105,126,000 | 105,573,000 | 104,257,000 | 104,144,000 |
| Noninterest-bearing deposits | 14,611,000 | 14,408,000 | 14,224,000 | 14,868,000 |
| Equity capital | 15,122,000 | 15,410,000 | 15,524,000 | 14,861,000 |
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 | 1,632,000 | 3,269,000 | 4,933,000 | 6,582,000 |
| Interest expense | 266,000 | 525,000 | 781,000 | 1,027,000 |
| Net interest income | 1,366,000 | 2,744,000 | 4,152,000 | 5,555,000 |
| Noninterest income | 258,000 | 556,000 | 835,000 | 1,119,000 |
| Noninterest expense | 1,255,000 | 2,555,000 | 3,863,000 | 5,153,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 309,000 | 625,000 | 944,000 | 1,301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 625,000 | 944,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,268,000 | 14,428,000 | 14,647,000 | 14,304,000 |
| Total capital | 15,347,000 | 15,529,000 | 15,810,000 | 15,369,000 |
| Risk-weighted assets | 98,883,000 | 98,951,000 | 98,510,000 | 97,370,000 |