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 | 54,198,000 | 48,656,000 | 51,951,000 | 47,808,000 |
| Total loans | 23,750,000 | 24,129,000 | 24,396,000 | 23,608,000 |
| Allowance for loan losses | 228,000 | 228,000 | 228,000 | 245,000 |
| Securities available for sale | 21,178,000 | 21,122,000 | 19,967,000 | 20,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,650,000 | 38,828,000 | 43,706,000 | 38,426,000 |
| Interest-bearing deposits | 37,374,000 | 31,273,000 | 35,793,000 | 31,125,000 |
| Noninterest-bearing deposits | 8,276,000 | 7,555,000 | 7,913,000 | 7,301,000 |
| Equity capital | 4,333,000 | 4,493,000 | 4,377,000 | 3,955,000 |
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 | 427,000 | 850,000 | 1,280,000 | 1,704,000 |
| Interest expense | 75,000 | 145,000 | 217,000 | 287,000 |
| Net interest income | 352,000 | 705,000 | 1,063,000 | 1,417,000 |
| Noninterest income | 71,000 | 140,000 | 213,000 | 292,000 |
| Noninterest expense | 309,000 | 642,000 | 995,000 | 1,285,000 |
| Provision for loan losses | 0 | 0 | 0 | 17,000 |
| Pretax income | 114,000 | 214,000 | 302,000 | 428,000 |
| Income tax | 0 | 4,000 | 2,000 | 7,000 |
| Net income | 114,000 | 210,000 | 300,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,103,000 | 4,109,000 | 4,109,000 | 4,140,000 |
| Total capital | 4,331,000 | 4,337,000 | 4,337,000 | 4,385,000 |
| Risk-weighted assets | 28,392,000 | 26,979,000 | 27,678,000 | 26,187,000 |