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 | 148,050,000 | 147,556,000 | 151,464,000 | 151,979,000 |
| Total loans | 110,954,000 | 115,650,000 | 121,659,000 | 112,487,000 |
| Allowance for loan losses | 217,000 | 284,000 | 312,000 | 342,000 |
| Securities available for sale | 9,869,000 | 9,475,000 | 9,014,000 | 8,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,294,000 | 128,646,000 | 132,220,000 | 134,321,000 |
| Interest-bearing deposits | 102,610,000 | 102,118,000 | 105,934,000 | 109,078,000 |
| Noninterest-bearing deposits | 26,684,000 | 26,528,000 | 26,286,000 | 25,243,000 |
| Equity capital | 14,012,000 | 14,498,000 | 14,707,000 | 14,941,000 |
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 | 1,659,000 | 3,341,000 | 5,101,000 | 6,836,000 |
| Interest expense | 154,000 | 313,000 | 476,000 | 649,000 |
| Net interest income | 1,505,000 | 3,028,000 | 4,625,000 | 6,187,000 |
| Noninterest income | 94,000 | 396,000 | 544,000 | 1,063,000 |
| Noninterest expense | 887,000 | 1,736,000 | 2,692,000 | 3,813,000 |
| Provision for loan losses | 25,000 | 55,000 | 85,000 | 115,000 |
| Pretax income | 687,000 | 1,633,000 | 2,392,000 | 3,322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 687,000 | 1,633,000 | 2,392,000 | 3,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,901,000 | 14,367,000 | 14,592,000 | 14,908,000 |
| Total capital | 14,118,000 | 14,651,000 | 14,904,000 | 15,250,000 |
| Risk-weighted assets | 126,926,000 | 133,181,000 | 138,449,000 | 129,805,000 |