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 | 179,074,000 | 175,346,000 | 171,492,000 | 171,963,000 |
| Total loans | 124,957,000 | 126,150,000 | 129,025,000 | 128,795,000 |
| Allowance for loan losses | 3,545,000 | 3,437,000 | 3,155,000 | 3,095,000 |
| Securities available for sale | 26,646,000 | 27,455,000 | 27,638,000 | 23,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,989,000 | 150,849,000 | 146,739,000 | 147,380,000 |
| Interest-bearing deposits | 117,410,000 | 114,951,000 | 110,928,000 | 107,837,000 |
| Noninterest-bearing deposits | 37,579,000 | 35,899,000 | 35,811,000 | 39,543,000 |
| Equity capital | 22,222,000 | 22,253,000 | 22,614,000 | 22,632,000 |
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 | 1,604,000 | 3,297,000 | 4,985,000 | 6,834,000 |
| Interest expense | 105,000 | 208,000 | 308,000 | 404,000 |
| Net interest income | 1,499,000 | 3,089,000 | 4,677,000 | 6,430,000 |
| Noninterest income | 223,000 | 466,000 | 744,000 | 866,000 |
| Noninterest expense | 1,390,000 | 2,790,000 | 4,324,000 | 5,846,000 |
| Provision for loan losses | 0 | 0 | 0 | -122,000 |
| Pretax income | 332,000 | 765,000 | 1,097,000 | 1,572,000 |
| Income tax | 92,000 | 220,000 | 312,000 | 454,000 |
| Net income | 240,000 | 545,000 | 785,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,189,000 | 22,360,000 | 22,600,000 | 22,640,000 |
| Total capital | 24,405,000 | 24,605,000 | 24,916,000 | 24,907,000 |
| Risk-weighted assets | 175,984,000 | 178,436,000 | 184,427,000 | 180,492,000 |