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 | 100,549,000 | 101,875,000 | 101,584,000 | 100,116,000 |
| Total loans | 45,152,000 | 43,691,000 | 43,296,000 | 45,794,000 |
| Allowance for loan losses | 555,000 | 570,000 | 844,000 | 841,000 |
| Securities available for sale | 44,613,000 | 46,073,000 | 47,983,000 | 45,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,690,000 | 83,690,000 | 83,245,000 | 83,656,000 |
| Interest-bearing deposits | 65,176,000 | 65,836,000 | 64,928,000 | 63,779,000 |
| Noninterest-bearing deposits | 17,514,000 | 17,854,000 | 18,317,000 | 19,877,000 |
| Equity capital | 13,029,000 | 13,300,000 | 13,388,000 | 11,883,000 |
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 | 889,000 | 1,771,000 | 2,646,000 | 3,530,000 |
| Interest expense | 152,000 | 307,000 | 464,000 | 624,000 |
| Net interest income | 737,000 | 1,464,000 | 2,182,000 | 2,906,000 |
| Noninterest income | 52,000 | 101,000 | 148,000 | 196,000 |
| Noninterest expense | 352,000 | 711,000 | 1,060,000 | 1,544,000 |
| Provision for loan losses | 0 | 200,000 | 470,000 | 480,000 |
| Pretax income | 437,000 | 654,000 | 800,000 | 1,079,000 |
| Income tax | 116,000 | 224,000 | 339,000 | 227,000 |
| Net income | 321,000 | 430,000 | 461,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,359,000 | 12,468,000 | 12,498,000 | 12,244,000 |
| Total capital | 12,914,000 | 13,038,000 | 13,174,000 | 12,924,000 |
| Risk-weighted assets | 54,773,000 | 54,055,000 | 53,930,000 | 54,244,000 |