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 | 395,948,000 | 392,487,000 | 393,041,000 | 397,881,000 |
| Total loans | 230,622,000 | 234,994,000 | 240,692,000 | 241,605,000 |
| Allowance for loan losses | 4,490,000 | 4,495,000 | 4,387,000 | 4,178,000 |
| Securities available for sale | 58,109,000 | 61,855,000 | 60,838,000 | 55,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,556,000 | 343,047,000 | 342,325,000 | 347,335,000 |
| Interest-bearing deposits | 273,615,000 | 265,749,000 | 264,580,000 | 269,700,000 |
| Noninterest-bearing deposits | 72,941,000 | 77,298,000 | 77,745,000 | 77,635,000 |
| Equity capital | 40,058,000 | 40,372,000 | 41,437,000 | 41,580,000 |
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 | 3,602,000 | 7,275,000 | 11,055,000 | 14,745,000 |
| Interest expense | 294,000 | 590,000 | 881,000 | 1,165,000 |
| Net interest income | 3,308,000 | 6,685,000 | 10,174,000 | 13,580,000 |
| Noninterest income | 908,000 | 1,966,000 | 3,035,000 | 4,033,000 |
| Noninterest expense | 3,030,000 | 6,300,000 | 9,851,000 | 13,208,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 350,000 |
| Pretax income | 1,111,000 | 2,201,000 | 3,133,000 | 4,055,000 |
| Income tax | 380,000 | 750,000 | 1,063,000 | 1,327,000 |
| Net income | 731,000 | 1,451,000 | 2,070,000 | 2,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,574,000 | 37,311,000 | 37,946,000 | 38,120,000 |
| Total capital | 39,477,000 | 40,277,000 | 40,978,000 | 41,127,000 |
| Risk-weighted assets | 230,960,000 | 235,785,000 | 241,171,000 | 239,432,000 |