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 | 258,152,000 | 253,988,000 | 251,179,000 | 257,251,000 |
| Total loans | 160,805,000 | 160,767,000 | 158,783,000 | 157,810,000 |
| Allowance for loan losses | 2,910,000 | 2,945,000 | 2,830,000 | 2,931,000 |
| Securities available for sale | 2,029,000 | 2,028,000 | 518,000 | 515,000 |
| Securities held to maturity | 39,456,000 | 35,832,000 | 34,437,000 | 37,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,931,000 | 223,089,000 | 219,649,000 | 225,065,000 |
| Interest-bearing deposits | 191,886,000 | 187,410,000 | 185,535,000 | 189,056,000 |
| Noninterest-bearing deposits | 36,045,000 | 35,679,000 | 34,114,000 | 36,009,000 |
| Equity capital | 29,106,000 | 29,800,000 | 30,420,000 | 31,092,000 |
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 | 2,361,000 | 4,777,000 | 7,174,000 | 9,545,000 |
| Interest expense | 306,000 | 602,000 | 891,000 | 1,171,000 |
| Net interest income | 2,055,000 | 4,175,000 | 6,283,000 | 8,374,000 |
| Noninterest income | 227,000 | 432,000 | 650,000 | 873,000 |
| Noninterest expense | 1,570,000 | 3,156,000 | 4,782,000 | 6,349,000 |
| Provision for loan losses | 100,000 | 150,000 | 225,000 | 320,000 |
| Pretax income | 612,000 | 1,301,000 | 1,926,000 | 2,601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 612,000 | 1,301,000 | 1,926,000 | 2,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,106,000 | 29,800,000 | 30,420,000 | 31,092,000 |
| Total capital | 31,095,000 | 31,782,000 | 32,308,000 | 32,969,000 |
| Risk-weighted assets | 159,181,000 | 157,577,000 | 150,095,000 | 149,137,000 |