Call reports 2015
CITIZENS BANK, THE — 2015
What CITIZENS BANK, THE 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 | 127,824,000 | 127,758,000 | 127,006,000 | 131,687,000 |
| Total loans | 87,545,000 | 87,889,000 | 90,586,000 | 92,114,000 |
| Allowance for loan losses | 770,000 | 758,000 | 767,000 | 824,000 |
| Securities available for sale | 21,309,000 | 21,629,000 | 20,800,000 | 19,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,527,000 | 103,030,000 | 100,464,000 | 106,692,000 |
| Interest-bearing deposits | 72,385,000 | 71,728,000 | 70,466,000 | 73,823,000 |
| Noninterest-bearing deposits | 31,142,000 | 31,302,000 | 29,998,000 | 32,869,000 |
| Equity capital | 12,535,000 | 12,381,000 | 12,542,000 | 12,402,000 |
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 | 1,198,000 | 2,418,000 | 3,651,000 | 4,897,000 |
| Interest expense | 61,000 | 122,000 | 184,000 | 248,000 |
| Net interest income | 1,137,000 | 2,296,000 | 3,467,000 | 4,649,000 |
| Noninterest income | 252,000 | 475,000 | 731,000 | 942,000 |
| Noninterest expense | 1,124,000 | 2,247,000 | 3,429,000 | 4,605,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 235,000 | 464,000 | 680,000 | 837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 235,000 | 464,000 | 680,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,420,000 | 10,418,000 | 10,501,000 | 10,484,000 |
| Total capital | 11,190,000 | 11,176,000 | 11,268,000 | 11,308,000 |
| Risk-weighted assets | 72,467,000 | 71,816,000 | 73,387,000 | 76,268,000 |