Call reports 2015
CITIZENS BANK OF WESTON, INC., THE — 2015
What CITIZENS BANK OF WESTON, INC., 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 | 194,729,000 | 191,338,000 | 194,514,000 | 194,358,000 |
| Total loans | 112,009,000 | 112,111,000 | 114,098,000 | 110,842,000 |
| Allowance for loan losses | 1,096,000 | 1,092,000 | 1,112,000 | 1,053,000 |
| Securities available for sale | 51,235,000 | 53,427,000 | 53,564,000 | 48,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,721,000 | 159,234,000 | 162,166,000 | 162,570,000 |
| Interest-bearing deposits | 124,875,000 | 123,107,000 | 124,202,000 | 121,095,000 |
| Noninterest-bearing deposits | 37,846,000 | 36,127,000 | 37,964,000 | 41,475,000 |
| Equity capital | 19,923,000 | 19,881,000 | 20,068,000 | 19,631,000 |
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 | 1,560,000 | 3,186,000 | 4,777,000 | 6,377,000 |
| Interest expense | 138,000 | 272,000 | 407,000 | 540,000 |
| Net interest income | 1,422,000 | 2,914,000 | 4,370,000 | 5,837,000 |
| Noninterest income | 147,000 | 271,000 | 432,000 | 603,000 |
| Noninterest expense | 926,000 | 1,874,000 | 2,799,000 | 3,702,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 202,000 |
| Pretax income | 613,000 | 1,251,000 | 1,913,000 | 2,536,000 |
| Income tax | 195,000 | 400,000 | 615,000 | 781,000 |
| Net income | 418,000 | 851,000 | 1,298,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,925,000 | 19,991,000 | 20,116,000 | 19,901,000 |
| Total capital | 21,021,000 | 21,083,000 | 21,228,000 | 20,954,000 |
| Risk-weighted assets | 110,476,000 | 110,791,000 | 118,875,000 | 116,087,000 |