Call reports 2015
CITIZENS' BANK, INC. — 2015
What CITIZENS' BANK, INC. 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 | 99,028,000 | 95,378,000 | 101,033,000 | 101,244,000 |
| Total loans | 67,674,000 | 65,323,000 | 63,930,000 | 62,601,000 |
| Allowance for loan losses | 1,124,000 | 1,122,000 | 1,124,000 | 1,124,000 |
| Securities available for sale | 15,919,000 | 17,557,000 | 18,040,000 | 22,084,000 |
| Securities held to maturity | 1,598,000 | 1,598,000 | 1,598,000 | 1,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,433,000 | 83,735,000 | 89,194,000 | 89,534,000 |
| Interest-bearing deposits | 62,980,000 | 59,638,000 | 62,516,000 | 61,222,000 |
| Noninterest-bearing deposits | 24,453,000 | 24,097,000 | 26,678,000 | 28,312,000 |
| Equity capital | 11,075,000 | 11,090,000 | 11,271,000 | 11,181,000 |
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 | 927,000 | 1,870,000 | 2,824,000 | 3,761,000 |
| Interest expense | 50,000 | 100,000 | 151,000 | 203,000 |
| Net interest income | 877,000 | 1,770,000 | 2,673,000 | 3,558,000 |
| Noninterest income | 124,000 | 276,000 | 411,000 | 495,000 |
| Noninterest expense | 1,007,000 | 1,929,000 | 2,849,000 | 3,858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,000 | 124,000 | 242,000 | 242,000 |
| Income tax | 0 | 0 | 0 | 23,000 |
| Net income | 1,000 | 124,000 | 242,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,882,000 | 11,005,000 | 11,123,000 | 11,101,000 |
| Total capital | 11,732,000 | 11,821,000 | 11,924,000 | 11,891,000 |
| Risk-weighted assets | 67,770,000 | 64,967,000 | 63,870,000 | 62,843,000 |