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 | 394,826,000 | 389,211,000 | 400,107,000 | 405,496,000 |
| Total loans | 291,053,000 | 291,575,000 | 302,400,000 | 307,881,000 |
| Allowance for loan losses | 4,580,000 | 4,626,000 | 4,553,000 | 4,564,000 |
| Securities available for sale | 47,363,000 | 46,097,000 | 48,063,000 | 43,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,414,000 | 339,039,000 | 347,967,000 | 350,649,000 |
| Interest-bearing deposits | 261,680,000 | 259,659,000 | 267,324,000 | 271,899,000 |
| Noninterest-bearing deposits | 83,734,000 | 79,380,000 | 80,643,000 | 78,750,000 |
| Equity capital | 38,474,000 | 38,932,000 | 40,833,000 | 38,709,000 |
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 | 4,548,000 | 9,135,000 | 13,795,000 | 18,520,000 |
| Interest expense | 388,000 | 768,000 | 1,153,000 | 1,544,000 |
| Net interest income | 4,160,000 | 8,367,000 | 12,642,000 | 16,976,000 |
| Noninterest income | 1,198,000 | 2,118,000 | 3,087,000 | 4,138,000 |
| Noninterest expense | 3,420,000 | 6,817,000 | 10,219,000 | 14,315,000 |
| Provision for loan losses | 226,000 | 286,000 | 338,000 | 405,000 |
| Pretax income | 1,712,000 | 3,385,000 | 5,175,000 | 6,399,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,712,000 | 3,385,000 | 5,175,000 | 6,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,850,000 | 42,124,000 | 43,914,000 | 43,338,000 |
| Total capital | 45,377,000 | 45,655,000 | 47,567,000 | 47,036,000 |
| Risk-weighted assets | 281,108,000 | 281,371,000 | 291,350,000 | 295,008,000 |