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 | 536,339,000 | 542,591,000 | 542,727,000 | 558,569,000 |
| Total loans | 192,760,000 | 184,609,000 | 191,063,000 | 186,950,000 |
| Allowance for loan losses | 2,781,000 | 1,994,000 | 1,999,000 | 2,038,000 |
| Securities available for sale | 59,331,000 | 56,500,000 | 58,938,000 | 60,430,000 |
| Securities held to maturity | 245,572,000 | 259,108,000 | 262,000,000 | 260,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,226,000 | 451,965,000 | 447,965,000 | 461,310,000 |
| Interest-bearing deposits | 385,498,000 | 384,423,000 | 387,114,000 | 395,439,000 |
| Noninterest-bearing deposits | 61,728,000 | 67,542,000 | 60,851,000 | 65,871,000 |
| Equity capital | 86,642,000 | 89,112,000 | 92,934,000 | 95,714,000 |
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 | 5,620,000 | 11,270,000 | 16,987,000 | 22,998,000 |
| Interest expense | 532,000 | 1,073,000 | 1,618,000 | 2,159,000 |
| Net interest income | 5,088,000 | 10,197,000 | 15,369,000 | 20,839,000 |
| Noninterest income | 1,257,000 | 1,848,000 | 2,386,000 | 3,022,000 |
| Noninterest expense | 1,893,000 | 3,675,000 | 5,382,000 | 8,227,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,510,000 | 8,429,000 | 12,441,000 | 15,709,000 |
| Income tax | 1,081,000 | 1,774,000 | 2,554,000 | 3,116,000 |
| Net income | 3,429,000 | 6,655,000 | 9,887,000 | 12,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,647,000 | 89,872,000 | 93,104,000 | 95,810,000 |
| Total capital | 89,428,000 | 91,866,000 | 95,103,000 | 97,848,000 |
| Risk-weighted assets | 319,347,000 | 318,519,000 | 329,657,000 | 328,895,000 |