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 | 144,041,000 | 143,520,000 | 146,173,000 | 145,074,000 |
| Total loans | 102,109,000 | 104,253,000 | 103,963,000 | 104,683,000 |
| Allowance for loan losses | 1,063,000 | 1,069,000 | 1,055,000 | 1,064,000 |
| Securities available for sale | 16,931,000 | 20,311,000 | 18,695,000 | 23,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,880,000 | 116,290,000 | 118,542,000 | 118,093,000 |
| Interest-bearing deposits | 104,573,000 | 103,807,000 | 105,433,000 | 105,193,000 |
| Noninterest-bearing deposits | 12,307,000 | 12,483,000 | 13,109,000 | 12,900,000 |
| Equity capital | 14,965,000 | 14,938,000 | 15,291,000 | 14,680,000 |
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 | 1,583,000 | 3,232,000 | 4,916,000 | 6,504,000 |
| Interest expense | 279,000 | 561,000 | 836,000 | 1,111,000 |
| Net interest income | 1,304,000 | 2,671,000 | 4,080,000 | 5,393,000 |
| Noninterest income | 334,000 | 641,000 | 907,000 | 1,191,000 |
| Noninterest expense | 1,261,000 | 2,566,000 | 3,811,000 | 5,089,000 |
| Provision for loan losses | 60,000 | 150,000 | 185,000 | 195,000 |
| Pretax income | 317,000 | 596,000 | 991,000 | 1,300,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 596,000 | 991,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,132,000 | 14,291,000 | 14,545,000 | 14,054,000 |
| Total capital | 15,195,000 | 15,360,000 | 15,600,000 | 15,118,000 |
| Risk-weighted assets | 96,987,000 | 95,647,000 | 96,447,000 | 97,694,000 |