Call reports 2016
CITIZENS BANK, THE — 2016
What CITIZENS BANK, THE 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 | 112,724,000 | 117,263,000 | 118,974,000 | 118,828,000 |
| Total loans | 76,616,000 | 81,842,000 | 83,289,000 | 78,658,000 |
| Allowance for loan losses | 1,135,000 | 1,218,000 | 1,307,000 | 1,133,000 |
| Securities available for sale | 25,349,000 | 25,040,000 | 22,969,000 | 25,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,371,000 | 87,497,000 | 87,690,000 | 94,674,000 |
| Interest-bearing deposits | 74,826,000 | 72,196,000 | 71,031,000 | 75,240,000 |
| Noninterest-bearing deposits | 15,545,000 | 15,301,000 | 16,659,000 | 19,434,000 |
| Equity capital | 15,725,000 | 16,201,000 | 16,394,000 | 15,592,000 |
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 | 1,275,000 | 2,564,000 | 3,915,000 | 5,204,000 |
| Interest expense | 182,000 | 378,000 | 580,000 | 775,000 |
| Net interest income | 1,093,000 | 2,186,000 | 3,335,000 | 4,429,000 |
| Noninterest income | 166,000 | 315,000 | 480,000 | 644,000 |
| Noninterest expense | 797,000 | 1,610,000 | 2,491,000 | 3,246,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 357,000 | 681,000 | 1,009,000 | 1,407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 357,000 | 681,000 | 1,009,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,308,000 | 15,429,000 | 15,757,000 | 16,027,000 |
| Total capital | 16,447,000 | 16,627,000 | 16,989,000 | 17,055,000 |
| Risk-weighted assets | 91,975,000 | 95,551,000 | 98,044,000 | 81,476,000 |