Call reports 2015
CITIZENS BANK COMPANY, THE — 2015
What CITIZENS BANK COMPANY, 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 | 185,535,000 | 185,430,000 | 186,845,000 | 189,861,000 |
| Total loans | 88,448,000 | 94,493,000 | 98,595,000 | 103,970,000 |
| Allowance for loan losses | 1,093,000 | 1,206,000 | 1,277,000 | 1,493,000 |
| Securities available for sale | 82,019,000 | 78,102,000 | 76,033,000 | 74,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,669,000 | 157,174,000 | 160,241,000 | 162,632,000 |
| Interest-bearing deposits | 131,552,000 | 128,385,000 | 130,239,000 | 132,043,000 |
| Noninterest-bearing deposits | 29,117,000 | 28,789,000 | 30,002,000 | 30,589,000 |
| Equity capital | 23,279,000 | 22,772,000 | 23,747,000 | 24,045,000 |
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 | 1,819,000 | 3,639,000 | 5,496,000 | 7,403,000 |
| Interest expense | 121,000 | 243,000 | 361,000 | 484,000 |
| Net interest income | 1,698,000 | 3,396,000 | 5,135,000 | 6,919,000 |
| Noninterest income | 224,000 | 439,000 | 675,000 | 885,000 |
| Noninterest expense | 1,106,000 | 2,151,000 | 3,270,000 | 4,584,000 |
| Provision for loan losses | 25,000 | 139,000 | 214,000 | 444,000 |
| Pretax income | 802,000 | 1,607,000 | 2,386,000 | 2,848,000 |
| Income tax | 190,000 | 370,000 | 527,000 | 582,000 |
| Net income | 612,000 | 1,237,000 | 1,859,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,707,000 | 22,163,000 | 22,719,000 | 22,968,000 |
| Total capital | 22,800,000 | 23,369,000 | 23,996,000 | 24,420,000 |
| Risk-weighted assets | 99,479,000 | 104,282,000 | 113,203,000 | 116,128,000 |