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 | 568,598,000 | 562,796,000 | 577,023,000 | 722,365,000 |
| Total loans | 311,905,000 | 337,976,000 | 357,527,000 | 478,873,000 |
| Allowance for loan losses | 5,966,000 | 6,201,000 | 6,436,000 | 6,821,000 |
| Securities available for sale | 182,500,000 | 181,829,000 | 156,031,000 | 171,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,356,000 | 437,089,000 | 442,208,000 | 574,772,000 |
| Interest-bearing deposits | 395,833,000 | 386,185,000 | 387,066,000 | 499,359,000 |
| Noninterest-bearing deposits | 50,523,000 | 50,904,000 | 55,142,000 | 75,413,000 |
| Equity capital | 61,085,000 | 60,537,000 | 62,390,000 | 66,512,000 |
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 | 5,189,000 | 10,730,000 | 16,411,000 | 22,225,000 |
| Interest expense | 774,000 | 1,530,000 | 2,268,000 | 3,074,000 |
| Net interest income | 4,415,000 | 9,200,000 | 14,143,000 | 19,151,000 |
| Noninterest income | 872,000 | 1,722,000 | 2,611,000 | 3,726,000 |
| Noninterest expense | 4,048,000 | 8,174,000 | 12,361,000 | 16,646,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,250,000 |
| Pretax income | 1,472,000 | 2,282,000 | 3,770,000 | 5,342,000 |
| Income tax | 317,000 | 479,000 | 685,000 | 981,000 |
| Net income | 1,155,000 | 1,803,000 | 3,085,000 | 4,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,637,000 | 60,289,000 | 61,573,000 | 54,809,000 |
| Total capital | 64,088,000 | 64,796,000 | 66,270,000 | 60,968,000 |
| Risk-weighted assets | 319,798,000 | 358,828,000 | 373,983,000 | 492,054,000 |