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 | 155,054,000 | 139,047,000 | 144,266,000 | 147,127,000 |
| Total loans | 104,845,000 | 108,469,000 | 113,883,000 | 110,463,000 |
| Allowance for loan losses | 151,000 | 166,000 | 180,000 | 194,000 |
| Securities available for sale | 11,749,000 | 11,176,000 | 7,674,000 | 10,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,837,000 | 121,347,000 | 126,033,000 | 129,817,000 |
| Interest-bearing deposits | 96,169,000 | 96,451,000 | 99,034,000 | 101,756,000 |
| Noninterest-bearing deposits | 37,668,000 | 24,896,000 | 26,999,000 | 28,061,000 |
| Equity capital | 13,143,000 | 13,387,000 | 13,666,000 | 13,729,000 |
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 | 1,487,000 | 3,068,000 | 4,739,000 | 6,400,000 |
| Interest expense | 143,000 | 288,000 | 440,000 | 600,000 |
| Net interest income | 1,344,000 | 2,780,000 | 4,299,000 | 5,800,000 |
| Noninterest income | 101,000 | 203,000 | 320,000 | 429,000 |
| Noninterest expense | 865,000 | 1,691,000 | 2,614,000 | 3,653,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 565,000 | 1,262,000 | 1,960,000 | 2,516,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 565,000 | 1,262,000 | 1,960,000 | 2,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,993,000 | 13,285,000 | 13,548,000 | 13,675,000 |
| Total capital | 13,144,000 | 13,451,000 | 13,728,000 | 13,869,000 |
| Risk-weighted assets | 124,842,000 | 124,793,000 | 129,336,000 | 127,045,000 |