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 | 689,516,000 | 696,387,000 | 676,207,000 | 707,308,000 |
| Total loans | 448,353,000 | 442,287,000 | 425,295,000 | 444,755,000 |
| Allowance for loan losses | 3,116,000 | 3,149,000 | 3,159,000 | 3,229,000 |
| Securities available for sale | 196,885,000 | 202,954,000 | 205,493,000 | 222,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 522,586,000 | 525,168,000 | 512,899,000 | 532,278,000 |
| Interest-bearing deposits | 454,054,000 | 449,392,000 | 435,668,000 | 454,630,000 |
| Noninterest-bearing deposits | 68,532,000 | 75,776,000 | 77,231,000 | 77,648,000 |
| Equity capital | 92,194,000 | 92,329,000 | 93,309,000 | 90,580,000 |
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 | 6,022,000 | 12,212,000 | 18,178,000 | 24,250,000 |
| Interest expense | 467,000 | 927,000 | 1,396,000 | 1,868,000 |
| Net interest income | 5,555,000 | 11,285,000 | 16,782,000 | 22,382,000 |
| Noninterest income | 1,169,000 | 2,404,000 | 3,079,000 | 4,637,000 |
| Noninterest expense | 4,156,000 | 8,164,000 | 13,080,000 | 18,462,000 |
| Provision for loan losses | 26,000 | 83,000 | 203,000 | 303,000 |
| Pretax income | 2,677,000 | 5,577,000 | 6,814,000 | 8,573,000 |
| Income tax | 161,000 | 344,000 | 437,000 | 466,000 |
| Net income | 2,516,000 | 5,233,000 | 6,704,000 | 8,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,347,000 | 84,753,000 | 84,699,000 | 81,920,000 |
| Total capital | 86,463,000 | 87,902,000 | 87,858,000 | 85,149,000 |
| Risk-weighted assets | 357,471,000 | 357,905,000 | 333,367,000 | 337,284,000 |