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 | 32,351,000 | 30,658,000 | 30,185,000 | 30,620,000 |
| Total loans | 14,728,000 | 15,792,000 | 17,365,000 | 18,188,000 |
| Allowance for loan losses | 17,000 | 34,000 | 46,000 | 51,000 |
| Securities available for sale | 6,314,000 | 5,349,000 | 3,489,000 | 2,377,000 |
| Securities held to maturity | 3,718,000 | 3,282,000 | 2,860,000 | 2,828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,333,000 | 25,657,000 | 25,100,000 | 25,400,000 |
| Interest-bearing deposits | 18,991,000 | 17,376,000 | 17,308,000 | 16,589,000 |
| Noninterest-bearing deposits | 8,342,000 | 8,281,000 | 7,792,000 | 8,811,000 |
| Equity capital | 4,992,000 | 4,961,000 | 5,018,000 | 5,018,000 |
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 | 297,000 | 611,000 | 925,000 | 1,255,000 |
| Interest expense | 21,000 | 41,000 | 62,000 | 81,000 |
| Net interest income | 276,000 | 570,000 | 863,000 | 1,174,000 |
| Noninterest income | 28,000 | 60,000 | 100,000 | 244,000 |
| Noninterest expense | 251,000 | 532,000 | 791,000 | 1,175,000 |
| Provision for loan losses | 11,000 | 25,000 | 32,000 | 34,000 |
| Pretax income | 42,000 | 73,000 | 131,000 | 200,000 |
| Income tax | 0 | 0 | 0 | 26,000 |
| Net income | 42,000 | 73,000 | 131,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,784,000 | 4,784,000 | 4,811,000 | 4,744,000 |
| Total capital | 4,801,000 | 4,818,000 | 4,857,000 | 4,795,000 |
| Risk-weighted assets | 15,057,000 | 15,072,000 | 16,057,000 | 19,048,000 |