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 | 35,416,000 | 34,979,000 | 33,299,000 | 33,736,000 |
| Total loans | 19,690,000 | 20,419,000 | 20,709,000 | 20,347,000 |
| Allowance for loan losses | 437,000 | 433,000 | 433,000 | 436,000 |
| Securities available for sale | 8,014,000 | 7,981,000 | 8,013,000 | 8,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,749,000 | 30,370,000 | 28,646,000 | 29,142,000 |
| Interest-bearing deposits | 23,116,000 | 23,910,000 | 23,080,000 | 24,963,000 |
| Noninterest-bearing deposits | 7,633,000 | 6,460,000 | 5,566,000 | 4,179,000 |
| Equity capital | 4,615,000 | 4,557,000 | 4,599,000 | 4,546,000 |
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 | 313,000 | 620,000 | 943,000 | 1,263,000 |
| Interest expense | 21,000 | 42,000 | 63,000 | 85,000 |
| Net interest income | 292,000 | 578,000 | 880,000 | 1,178,000 |
| Noninterest income | 36,000 | 75,000 | 122,000 | 164,000 |
| Noninterest expense | 335,000 | 698,000 | 1,024,000 | 1,394,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | -45,000 | -22,000 | -52,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -7,000 | -45,000 | -22,000 | -52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,590,000 | 4,565,000 | 4,588,000 | 4,558,000 |
| Total capital | 4,851,000 | 4,813,000 | 4,851,000 | 4,812,000 |
| Risk-weighted assets | 20,738,000 | 19,636,000 | 20,834,000 | 20,098,000 |