Call reports 2015
CITIZENS BANK, NATIONAL ASSOCIATION — 2015
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 104,765,000 | 104,196,000 | 107,988,000 | 109,473,000 |
| Total loans | 72,632,000 | 72,684,000 | 75,426,000 | 76,886,000 |
| Allowance for loan losses | 1,149,000 | 1,150,000 | 1,147,000 | 1,148,000 |
| Securities available for sale | 19,599,000 | 18,504,000 | 18,121,000 | 17,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,297,000 | 84,138,000 | 83,490,000 | 81,448,000 |
| Interest-bearing deposits | 53,128,000 | 52,628,000 | 51,689,000 | 50,606,000 |
| Noninterest-bearing deposits | 35,169,000 | 31,510,000 | 31,801,000 | 30,842,000 |
| Equity capital | 13,801,000 | 13,924,000 | 14,051,000 | 13,944,000 |
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 | 1,017,000 | 2,023,000 | 3,070,000 | 4,131,000 |
| Interest expense | 20,000 | 42,000 | 64,000 | 88,000 |
| Net interest income | 997,000 | 1,981,000 | 3,006,000 | 4,043,000 |
| Noninterest income | 141,000 | 277,000 | 400,000 | 519,000 |
| Noninterest expense | 644,000 | 1,286,000 | 1,914,000 | 2,513,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 490,000 | 968,000 | 1,488,000 | 2,043,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 490,000 | 968,000 | 1,488,000 | 2,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,639,000 | 9,818,000 | 9,838,000 | 9,673,000 |
| Total capital | 10,674,000 | 10,770,000 | 10,815,000 | 10,671,000 |
| Risk-weighted assets | 82,731,000 | 75,985,000 | 77,994,000 | 79,734,000 |