Call reports 2016
CITIZENS BANK, NATIONAL ASSOCIATION — 2016
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 105,152,000 | 105,413,000 | 105,224,000 | 109,206,000 |
| Total loans | 78,251,000 | 76,535,000 | 78,545,000 | 80,106,000 |
| Allowance for loan losses | 1,150,000 | 1,152,000 | 1,156,000 | 1,156,000 |
| Securities available for sale | 12,821,000 | 12,724,000 | 12,461,000 | 15,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,551,000 | 81,069,000 | 79,792,000 | 81,611,000 |
| Interest-bearing deposits | 49,701,000 | 50,685,000 | 50,734,000 | 51,750,000 |
| Noninterest-bearing deposits | 28,850,000 | 30,384,000 | 29,058,000 | 29,861,000 |
| Equity capital | 13,887,000 | 14,099,000 | 14,087,000 | 13,677,000 |
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 | 1,042,000 | 2,077,000 | 3,125,000 | 4,190,000 |
| Interest expense | 31,000 | 61,000 | 93,000 | 125,000 |
| Net interest income | 1,011,000 | 2,016,000 | 3,032,000 | 4,065,000 |
| Noninterest income | 104,000 | 295,000 | 452,000 | 593,000 |
| Noninterest expense | 663,000 | 1,325,000 | 1,987,000 | 2,593,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 552,000 | 1,085,000 | 1,595,000 | 2,163,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 552,000 | 1,085,000 | 1,595,000 | 2,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,675,000 | 9,868,000 | 9,878,000 | 9,675,000 |
| Total capital | 10,697,000 | 10,884,000 | 10,900,000 | 10,728,000 |
| Risk-weighted assets | 81,629,000 | 81,153,000 | 81,695,000 | 84,172,000 |