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 | 709,797,000 | 750,096,000 | 766,498,000 | 889,776,000 |
| Total loans | 450,311,000 | 467,352,000 | 491,272,000 | 585,335,000 |
| Allowance for loan losses | 3,317,000 | 3,446,000 | 3,544,000 | 3,726,000 |
| Securities available for sale | 216,055,000 | 243,167,000 | 232,121,000 | 241,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,357,000 | 523,979,000 | 529,456,000 | 662,564,000 |
| Interest-bearing deposits | 459,304,000 | 445,962,000 | 444,662,000 | 560,947,000 |
| Noninterest-bearing deposits | 75,053,000 | 78,017,000 | 84,794,000 | 101,617,000 |
| Equity capital | 92,160,000 | 95,249,000 | 95,348,000 | 93,429,000 |
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 | 6,427,000 | 13,137,000 | 20,206,000 | 27,757,000 |
| Interest expense | 527,000 | 1,076,000 | 1,652,000 | 2,306,000 |
| Net interest income | 5,900,000 | 12,061,000 | 18,554,000 | 25,451,000 |
| Noninterest income | 1,530,000 | 3,981,000 | 6,468,000 | 8,581,000 |
| Noninterest expense | 4,900,000 | 9,999,000 | 15,519,000 | 21,711,000 |
| Provision for loan losses | 97,000 | 254,000 | 1,017,000 | 1,177,000 |
| Pretax income | 2,528,000 | 5,891,000 | 8,690,000 | 11,404,000 |
| Income tax | 162,000 | 348,000 | 482,000 | 679,000 |
| Net income | 2,521,000 | 5,504,000 | 7,918,000 | 10,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,236,000 | 84,642,000 | 86,209,000 | 85,401,000 |
| Total capital | 86,553,000 | 88,088,000 | 89,753,000 | 89,127,000 |
| Risk-weighted assets | 341,946,000 | 376,533,000 | 401,521,000 | 539,909,000 |