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 | 73,355,000 | 72,795,000 | 73,626,000 | 72,324,000 |
| Total loans | 34,000,000 | 33,780,000 | 35,247,000 | 35,855,000 |
| Allowance for loan losses | 292,000 | 274,000 | 281,000 | 265,000 |
| Securities available for sale | 19,349,000 | 20,084,000 | 20,740,000 | 19,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,583,000 | 63,853,000 | 64,504,000 | 63,334,000 |
| Interest-bearing deposits | 49,011,000 | 49,234,000 | 48,745,000 | 47,826,000 |
| Noninterest-bearing deposits | 15,572,000 | 14,619,000 | 15,759,000 | 15,508,000 |
| Equity capital | 8,441,000 | 8,587,000 | 8,715,000 | 8,417,000 |
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 | 643,000 | 1,291,000 | 1,958,000 | 2,649,000 |
| Interest expense | 66,000 | 131,000 | 196,000 | 261,000 |
| Net interest income | 577,000 | 1,160,000 | 1,762,000 | 2,388,000 |
| Noninterest income | 149,000 | 320,000 | 492,000 | 681,000 |
| Noninterest expense | 637,000 | 1,257,000 | 1,858,000 | 2,515,000 |
| Provision for loan losses | 40,000 | 40,000 | 66,000 | 66,000 |
| Pretax income | 49,000 | 183,000 | 330,000 | 488,000 |
| Income tax | 17,000 | 25,000 | 57,000 | 66,000 |
| Net income | 32,000 | 158,000 | 273,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,171,000 | 8,297,000 | 8,412,000 | 8,417,000 |
| Total capital | 8,463,000 | 8,571,000 | 8,693,000 | 8,682,000 |
| Risk-weighted assets | 36,578,000 | 36,285,000 | 37,400,000 | 37,857,000 |