Call reports 2015
CITIZENS BANK — 2015
What CITIZENS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 408,009,000 | 388,247,000 | 387,058,000 | 383,646,000 |
| Total loans | 204,278,000 | 196,956,000 | 191,961,000 | 200,168,000 |
| Allowance for loan losses | 4,028,000 | 4,170,000 | 3,256,000 | 3,341,000 |
| Securities available for sale | 62,974,000 | 63,696,000 | 57,359,000 | 54,037,000 |
| Securities held to maturity | 3,803,000 | 3,690,000 | 3,560,000 | 3,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,888,000 | 346,697,000 | 322,795,000 | 340,253,000 |
| Interest-bearing deposits | 234,547,000 | 220,856,000 | 201,053,000 | 217,220,000 |
| Noninterest-bearing deposits | 132,341,000 | 125,841,000 | 121,742,000 | 123,033,000 |
| Equity capital | 38,607,000 | 39,078,000 | 40,331,000 | 40,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,325,000 | 6,633,000 | 10,547,000 | 13,829,000 |
| Interest expense | 133,000 | 264,000 | 394,000 | 520,000 |
| Net interest income | 3,192,000 | 6,369,000 | 10,153,000 | 13,309,000 |
| Noninterest income | 341,000 | 732,000 | 1,006,000 | 1,368,000 |
| Noninterest expense | 2,533,000 | 5,187,000 | 7,923,000 | 10,510,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 925,000 | 1,764,000 | 3,011,000 | 3,867,000 |
| Income tax | 310,000 | 588,000 | 1,006,000 | 1,292,000 |
| Net income | 615,000 | 1,176,000 | 2,005,000 | 2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,131,000 | 38,692,000 | 39,521,000 | 40,091,000 |
| Total capital | 41,014,000 | 41,696,000 | 42,461,000 | 43,071,000 |
| Risk-weighted assets | 229,537,000 | 239,158,000 | 234,950,000 | 238,057,000 |