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 | 72,311,000 | 73,277,000 | 72,894,000 | 73,481,000 |
| Total loans | 32,248,000 | 31,268,000 | 32,887,000 | 33,340,000 |
| Allowance for loan losses | 295,000 | 303,000 | 294,000 | 273,000 |
| Securities available for sale | 21,376,000 | 21,452,000 | 20,010,000 | 19,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,725,000 | 64,725,000 | 64,083,000 | 64,618,000 |
| Interest-bearing deposits | 50,075,000 | 50,193,000 | 49,096,000 | 49,110,000 |
| Noninterest-bearing deposits | 13,650,000 | 14,532,000 | 14,987,000 | 15,508,000 |
| Equity capital | 8,261,000 | 8,252,000 | 8,506,000 | 8,343,000 |
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 | 615,000 | 1,255,000 | 1,900,000 | 2,558,000 |
| Interest expense | 67,000 | 136,000 | 205,000 | 272,000 |
| Net interest income | 548,000 | 1,119,000 | 1,695,000 | 2,286,000 |
| Noninterest income | 150,000 | 306,000 | 468,000 | 621,000 |
| Noninterest expense | 558,000 | 1,115,000 | 1,687,000 | 2,385,000 |
| Provision for loan losses | 20,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 120,000 | 250,000 | 416,000 | 462,000 |
| Income tax | 60,000 | 60,000 | 60,000 | 60,000 |
| Net income | 60,000 | 190,000 | 356,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,967,000 | 8,097,000 | 8,278,000 | 8,145,000 |
| Total capital | 8,262,000 | 8,400,000 | 8,572,000 | 8,418,000 |
| Risk-weighted assets | 36,186,000 | 36,134,000 | 36,215,000 | 35,953,000 |