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 |
|---|---|---|---|
| Total assets | 32,434,000 | 31,759,000 | 31,481,000 |
| Total loans | 19,790,000 | 19,380,000 | 18,912,000 |
| Allowance for loan losses | 290,000 | 283,000 | 285,000 |
| Securities available for sale | 8,044,000 | 8,281,000 | 8,273,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 27,853,000 | 27,186,000 | 27,093,000 |
| Interest-bearing deposits | 23,255,000 | 22,316,000 | 21,811,000 |
| Noninterest-bearing deposits | 4,598,000 | 4,870,000 | 5,282,000 |
| Equity capital | 4,541,000 | 4,507,000 | 4,309,000 |
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 |
|---|---|---|---|
| Interest income | 308,000 | 604,000 | 899,000 |
| Interest expense | 21,000 | 41,000 | 61,000 |
| Net interest income | 287,000 | 563,000 | 838,000 |
| Noninterest income | 32,000 | 70,000 | 109,000 |
| Noninterest expense | 345,000 | 702,000 | 1,211,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -26,000 | -69,000 | -264,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -26,000 | -69,000 | -264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 4,532,000 | 4,489,000 | 4,309,000 |
| Total capital | 4,781,000 | 4,732,000 | 4,547,000 |
| Risk-weighted assets | 19,907,000 | 19,380,000 | 18,959,000 |
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