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 | 111,347,000 | 118,432,000 | 114,016,000 | 114,039,000 |
| Total loans | 53,450,000 | 57,548,000 | 60,853,000 | 63,060,000 |
| Allowance for loan losses | 855,000 | 850,000 | 849,000 | 785,000 |
| Securities available for sale | 37,722,000 | 35,501,000 | 31,111,000 | 31,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,812,000 | 106,020,000 | 101,286,000 | 101,400,000 |
| Interest-bearing deposits | 63,455,000 | 64,896,000 | 62,460,000 | 65,525,000 |
| Noninterest-bearing deposits | 35,357,000 | 41,124,000 | 38,826,000 | 35,875,000 |
| Equity capital | 12,340,000 | 12,174,000 | 12,371,000 | 12,444,000 |
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 | 932,000 | 1,877,000 | 2,846,000 | 3,854,000 |
| Interest expense | 100,000 | 200,000 | 301,000 | 400,000 |
| Net interest income | 832,000 | 1,677,000 | 2,545,000 | 3,454,000 |
| Noninterest income | 95,000 | 272,000 | 527,000 | 679,000 |
| Noninterest expense | 806,000 | 1,702,000 | 2,581,000 | 3,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 133,000 | 261,000 | 547,000 | 567,000 |
| Income tax | 27,000 | 55,000 | 142,000 | 128,000 |
| Net income | 106,000 | 206,000 | 405,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,437,000 | 11,516,000 | 11,689,000 | 11,804,000 |
| Total capital | 12,231,000 | 12,354,000 | 12,538,000 | 12,589,000 |
| Risk-weighted assets | 63,450,000 | 66,519,000 | 68,462,000 | 70,119,000 |
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