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 | 586,983,000 | 595,981,000 | 622,962,000 | 625,050,000 |
| Total loans | 346,287,000 | 351,331,000 | 345,325,000 | 354,998,000 |
| Allowance for loan losses | 3,834,000 | 3,990,000 | 3,199,000 | 3,601,000 |
| Securities available for sale | 108,139,000 | 110,462,000 | 135,946,000 | 174,287,000 |
| Securities held to maturity | 466,000 | 466,000 | 466,000 | 466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,926,000 | 488,242,000 | 510,517,000 | 513,388,000 |
| Interest-bearing deposits | 296,353,000 | 308,299,000 | 324,933,000 | 316,118,000 |
| Noninterest-bearing deposits | 182,573,000 | 179,943,000 | 185,584,000 | 197,270,000 |
| Equity capital | 64,997,000 | 66,121,000 | 66,927,000 | 65,693,000 |
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 | 5,024,000 | 10,265,000 | 15,461,000 | 20,619,000 |
| Interest expense | 148,000 | 301,000 | 460,000 | 584,000 |
| Net interest income | 4,876,000 | 9,964,000 | 15,001,000 | 20,035,000 |
| Noninterest income | 662,000 | 1,515,000 | 2,200,000 | 2,879,000 |
| Noninterest expense | 3,940,000 | 7,874,000 | 11,723,000 | 15,707,000 |
| Provision for loan losses | 100,000 | 250,000 | 1,100,000 | 1,540,000 |
| Pretax income | 1,498,000 | 3,355,000 | 4,378,000 | 5,667,000 |
| Income tax | 529,000 | 1,162,000 | 1,486,000 | 1,899,000 |
| Net income | 969,000 | 2,193,000 | 2,892,000 | 3,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,928,000 | 66,115,000 | 66,815,000 | 65,945,000 |
| Total capital | 68,978,000 | 70,321,000 | 70,230,000 | 69,792,000 |
| Risk-weighted assets | 372,084,000 | 387,198,000 | 387,291,000 | 406,435,000 |