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 | 159,096,000 | 155,730,000 | 162,929,000 | 157,146,000 |
| Total loans | 125,564,000 | 130,519,000 | 132,591,000 | 135,908,000 |
| Allowance for loan losses | 1,405,000 | 1,522,000 | 1,598,000 | 1,571,000 |
| Securities available for sale | 16,136,000 | 15,421,000 | 15,255,000 | 11,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,742,000 | 138,763,000 | 147,875,000 | 142,462,000 |
| Interest-bearing deposits | 112,336,000 | 103,227,000 | 112,993,000 | 107,588,000 |
| Noninterest-bearing deposits | 32,406,000 | 35,536,000 | 34,882,000 | 34,874,000 |
| Equity capital | 13,069,000 | 12,978,000 | 13,446,000 | 13,748,000 |
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 | 1,736,000 | 3,496,000 | 5,312,000 | 7,108,000 |
| Interest expense | 89,000 | 182,000 | 280,000 | 380,000 |
| Net interest income | 1,647,000 | 3,314,000 | 5,032,000 | 6,728,000 |
| Noninterest income | 182,000 | 462,000 | 708,000 | 914,000 |
| Noninterest expense | 1,554,000 | 3,217,000 | 4,841,000 | 6,373,000 |
| Provision for loan losses | 108,000 | 216,000 | 306,000 | 396,000 |
| Pretax income | 167,000 | 343,000 | 593,000 | 883,000 |
| Income tax | 0 | 0 | 0 | -120,000 |
| Net income | 167,000 | 343,000 | 593,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,004,000 | 13,180,000 | 13,430,000 | 13,840,000 |
| Total capital | 14,409,000 | 14,702,000 | 14,991,000 | 15,411,000 |
| Risk-weighted assets | 132,803,000 | 128,586,000 | 124,873,000 | 125,577,000 |