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 | 729,542,000 | 717,133,000 | 702,731,000 | 719,690,000 |
| Total loans | 207,700,000 | 209,056,000 | 213,314,000 | 221,314,000 |
| Allowance for loan losses | 3,489,000 | 3,389,000 | 3,342,000 | 3,373,000 |
| Securities available for sale | 246,697,000 | 236,056,000 | 221,938,000 | 212,772,000 |
| Securities held to maturity | 203,464,000 | 218,806,000 | 217,998,000 | 224,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 599,443,000 | 588,124,000 | 567,419,000 | 583,336,000 |
| Interest-bearing deposits | 438,940,000 | 430,875,000 | 405,103,000 | 423,467,000 |
| Noninterest-bearing deposits | 160,503,000 | 157,249,000 | 162,316,000 | 159,869,000 |
| Equity capital | 70,352,000 | 71,979,000 | 70,776,000 | 68,158,000 |
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 | 5,567,000 | 10,867,000 | 16,087,000 | 21,635,000 |
| Interest expense | 611,000 | 1,196,000 | 1,763,000 | 2,354,000 |
| Net interest income | 4,956,000 | 9,671,000 | 14,324,000 | 19,281,000 |
| Noninterest income | 1,286,000 | 2,611,000 | 4,017,000 | 5,230,000 |
| Noninterest expense | 3,657,000 | 7,148,000 | 10,778,000 | 14,119,000 |
| Provision for loan losses | -39,000 | -8,000 | 15,000 | 64,000 |
| Pretax income | 2,625,000 | 5,260,000 | 7,670,000 | 10,451,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,625,000 | 5,260,000 | 7,670,000 | 10,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,760,000 | 69,388,000 | 68,582,000 | 68,789,000 |
| Total capital | 72,681,000 | 73,046,000 | 72,240,000 | 72,507,000 |
| Risk-weighted assets | 313,639,000 | 292,510,000 | 292,473,000 | 297,333,000 |