Call reports 2016
CITIZENS' BANK, INC. — 2016
What CITIZENS' BANK, INC. 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 | 102,260,000 | 104,966,000 | 106,683,000 | 106,482,000 |
| Total loans | 64,823,000 | 65,274,000 | 70,226,000 | 71,610,000 |
| Allowance for loan losses | 1,059,000 | 1,053,000 | 1,045,000 | 1,204,000 |
| Securities available for sale | 20,050,000 | 21,000,000 | 19,872,000 | 20,298,000 |
| Securities held to maturity | 1,382,000 | 1,381,000 | 1,381,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,261,000 | 92,849,000 | 94,345,000 | 94,316,000 |
| Interest-bearing deposits | 61,558,000 | 62,330,000 | 62,639,000 | 63,017,000 |
| Noninterest-bearing deposits | 28,704,000 | 30,519,000 | 31,706,000 | 31,298,000 |
| Equity capital | 11,440,000 | 11,573,000 | 11,807,000 | 11,661,000 |
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 | 960,000 | 1,933,000 | 2,968,000 | 4,020,000 |
| Interest expense | 49,000 | 100,000 | 153,000 | 207,000 |
| Net interest income | 911,000 | 1,833,000 | 2,815,000 | 3,813,000 |
| Noninterest income | 130,000 | 264,000 | 510,000 | 643,000 |
| Noninterest expense | 929,000 | 1,867,000 | 2,862,000 | 3,804,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 153,000 | 273,000 | 506,000 | 695,000 |
| Income tax | 0 | 0 | 3,000 | -32,000 |
| Net income | 153,000 | 273,000 | 503,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,237,000 | 11,357,000 | 11,587,000 | 11,810,000 |
| Total capital | 12,051,000 | 12,173,000 | 12,455,000 | 12,672,000 |
| Risk-weighted assets | 64,898,000 | 65,061,000 | 69,258,000 | 68,579,000 |