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 | 195,125,000 | 205,040,000 | 205,055,000 | 212,823,000 |
| Total loans | 156,359,000 | 154,820,000 | 157,278,000 | 159,211,000 |
| Allowance for loan losses | 2,273,000 | 2,303,000 | 2,358,000 | 2,379,000 |
| Securities available for sale | 27,332,000 | 26,399,000 | 25,292,000 | 24,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,751,000 | 180,000,000 | 175,375,000 | 183,465,000 |
| Interest-bearing deposits | 135,864,000 | 138,831,000 | 136,713,000 | 141,882,000 |
| Noninterest-bearing deposits | 34,887,000 | 41,169,000 | 38,663,000 | 41,583,000 |
| Equity capital | 19,167,000 | 19,895,000 | 20,181,000 | 20,335,000 |
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 | 2,402,000 | 4,745,000 | 7,179,000 | 9,604,000 |
| Interest expense | 280,000 | 583,000 | 906,000 | 1,250,000 |
| Net interest income | 2,122,000 | 4,162,000 | 6,273,000 | 8,354,000 |
| Noninterest income | 212,000 | 466,000 | 732,000 | 948,000 |
| Noninterest expense | 1,345,000 | 2,661,000 | 3,981,000 | 5,354,000 |
| Provision for loan losses | 75,000 | 130,000 | 170,000 | 215,000 |
| Pretax income | 914,000 | 1,837,000 | 2,854,000 | 3,733,000 |
| Income tax | 350,000 | 703,000 | 1,092,000 | 1,386,000 |
| Net income | 564,000 | 1,134,000 | 1,762,000 | 2,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,168,000 | 19,738,000 | 20,026,000 | 20,611,000 |
| Total capital | 21,245,000 | 21,822,000 | 22,129,000 | 22,795,000 |
| Risk-weighted assets | 165,951,000 | 166,515,000 | 167,975,000 | 174,553,000 |