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 | 422,486,000 | 431,715,000 | 438,374,000 | 446,817,000 |
| Total loans | 316,845,000 | 317,559,000 | 318,131,000 | 326,928,000 |
| Allowance for loan losses | 4,128,000 | 4,229,000 | 4,363,000 | 4,527,000 |
| Securities available for sale | 90,825,000 | 91,933,000 | 92,868,000 | 91,379,000 |
| Securities held to maturity | 2,166,000 | 2,166,000 | 1,674,000 | 1,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,037,000 | 363,525,000 | 371,500,000 | 377,781,000 |
| Interest-bearing deposits | 268,476,000 | 278,171,000 | 281,035,000 | 285,535,000 |
| Noninterest-bearing deposits | 89,561,000 | 85,354,000 | 90,465,000 | 92,246,000 |
| Equity capital | 41,764,000 | 42,818,000 | 43,477,000 | 42,593,000 |
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 | 3,737,000 | 7,422,000 | 11,175,000 | 14,979,000 |
| Interest expense | 215,000 | 415,000 | 621,000 | 834,000 |
| Net interest income | 3,522,000 | 7,007,000 | 10,554,000 | 14,145,000 |
| Noninterest income | 1,024,000 | 1,864,000 | 2,678,000 | 3,503,000 |
| Noninterest expense | 3,116,000 | 6,175,000 | 9,311,000 | 12,294,000 |
| Provision for loan losses | 79,000 | 154,000 | 273,000 | 337,000 |
| Pretax income | 1,351,000 | 2,542,000 | 3,648,000 | 5,017,000 |
| Income tax | 491,000 | 920,000 | 1,313,000 | 1,804,000 |
| Net income | 860,000 | 1,622,000 | 2,335,000 | 3,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,455,000 | 41,082,000 | 41,662,000 | 42,389,000 |
| Total capital | 44,583,000 | 45,311,000 | 45,917,000 | 46,763,000 |
| Risk-weighted assets | 349,943,000 | 343,545,000 | 340,354,000 | 349,830,000 |