Call reports 2015
CITIZENS BANK OF LOGAN, THE — 2015
What CITIZENS BANK OF LOGAN, 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 | 193,066,000 | 191,483,000 | 189,927,000 | 181,615,000 |
| Total loans | 146,355,000 | 143,447,000 | 146,777,000 | 149,231,000 |
| Allowance for loan losses | 3,443,000 | 2,414,000 | 2,387,000 | 2,078,000 |
| Securities available for sale | 27,227,000 | 20,584,000 | 16,962,000 | 14,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,158,000 | 170,616,000 | 168,695,000 | 162,671,000 |
| Interest-bearing deposits | 149,905,000 | 146,272,000 | 142,782,000 | 136,959,000 |
| Noninterest-bearing deposits | 22,253,000 | 24,344,000 | 25,913,000 | 25,712,000 |
| Equity capital | 18,250,000 | 18,311,000 | 18,500,000 | 17,412,000 |
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 | 2,019,000 | 4,080,000 | 6,121,000 | 8,171,000 |
| Interest expense | 250,000 | 472,000 | 691,000 | 892,000 |
| Net interest income | 1,769,000 | 3,608,000 | 5,430,000 | 7,279,000 |
| Noninterest income | 195,000 | 409,000 | 744,000 | 875,000 |
| Noninterest expense | 1,778,000 | 3,597,000 | 5,596,000 | 7,469,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 276,000 | 568,000 | 746,000 | 1,103,000 |
| Income tax | 83,000 | 166,000 | 211,000 | 306,000 |
| Net income | 193,000 | 402,000 | 535,000 | 797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,147,000 | 16,075,000 | 16,266,000 | 14,905,000 |
| Total capital | 17,842,000 | 17,694,000 | 17,858,000 | 16,504,000 |
| Risk-weighted assets | 132,377,000 | 127,041,000 | 124,966,000 | 125,610,000 |