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 | 408,081,000 | 424,105,000 | 438,500,000 | 426,800,000 |
| Total loans | 291,357,000 | 308,947,000 | 317,573,000 | 316,893,000 |
| Allowance for loan losses | 3,864,000 | 3,988,000 | 4,162,000 | 4,221,000 |
| Securities available for sale | 98,114,000 | 98,354,000 | 94,457,000 | 92,522,000 |
| Securities held to maturity | 5,114,000 | 4,219,000 | 3,689,000 | 2,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,116,000 | 339,800,000 | 343,195,000 | 359,157,000 |
| Interest-bearing deposits | 268,125,000 | 264,513,000 | 264,594,000 | 274,070,000 |
| Noninterest-bearing deposits | 78,991,000 | 75,287,000 | 78,601,000 | 85,088,000 |
| Equity capital | 39,253,000 | 39,112,000 | 40,232,000 | 40,430,000 |
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 | 3,650,000 | 7,400,000 | 11,254,000 | 15,138,000 |
| Interest expense | 272,000 | 521,000 | 772,000 | 1,014,000 |
| Net interest income | 3,378,000 | 6,879,000 | 10,482,000 | 14,124,000 |
| Noninterest income | 808,000 | 1,632,000 | 2,512,000 | 3,358,000 |
| Noninterest expense | 3,041,000 | 5,966,000 | 9,061,000 | 12,163,000 |
| Provision for loan losses | 138,000 | 296,000 | 533,000 | 657,000 |
| Pretax income | 1,007,000 | 2,249,000 | 3,400,000 | 4,662,000 |
| Income tax | 334,000 | 761,000 | 1,159,000 | 1,604,000 |
| Net income | 673,000 | 1,488,000 | 2,241,000 | 3,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,092,000 | 37,794,000 | 38,435,000 | 39,718,000 |
| Total capital | 40,956,000 | 41,782,000 | 42,597,000 | 43,939,000 |
| Risk-weighted assets | 312,753,000 | 334,225,000 | 338,735,000 | 338,910,000 |
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