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 | 673,017,000 | 656,969,000 | 664,416,000 | 667,953,000 |
| Total loans | 418,497,000 | 421,690,000 | 423,753,000 | 427,713,000 |
| Allowance for loan losses | 12,626,000 | 12,581,000 | 12,787,000 | 12,535,000 |
| Securities available for sale | 97,656,000 | 97,599,000 | 93,415,000 | 98,674,000 |
| Securities held to maturity | 23,425,000 | 26,772,000 | 30,279,000 | 28,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,553,000 | 573,804,000 | 579,507,000 | 583,780,000 |
| Interest-bearing deposits | 487,811,000 | 476,643,000 | 476,041,000 | 481,882,000 |
| Noninterest-bearing deposits | 102,742,000 | 97,161,000 | 103,467,000 | 101,898,000 |
| Equity capital | 81,230,000 | 81,305,000 | 82,822,000 | 83,351,000 |
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 | 5,398,000 | 10,901,000 | 16,453,000 | 21,897,000 |
| Interest expense | 495,000 | 1,006,000 | 1,540,000 | 2,096,000 |
| Net interest income | 4,903,000 | 9,895,000 | 14,913,000 | 19,801,000 |
| Noninterest income | 1,052,000 | 2,395,000 | 3,657,000 | 4,940,000 |
| Noninterest expense | 4,257,000 | 8,328,000 | 12,804,000 | 17,404,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,698,000 | 3,962,000 | 5,766,000 | 7,337,000 |
| Income tax | 466,000 | 1,216,000 | 1,774,000 | 2,244,000 |
| Net income | 1,232,000 | 2,746,000 | 3,992,000 | 5,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,866,000 | 82,463,000 | 83,710,000 | 84,294,000 |
| Total capital | 87,355,000 | 88,027,000 | 89,295,000 | 89,963,000 |
| Risk-weighted assets | 432,045,000 | 438,165,000 | 439,567,000 | 446,652,000 |