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 | 54,367,000 | 48,915,000 | 54,530,000 | 49,764,000 |
| Total loans | 23,933,000 | 23,815,000 | 24,836,000 | 25,156,000 |
| Allowance for loan losses | 246,000 | 248,000 | 248,000 | 228,000 |
| Securities available for sale | 22,617,000 | 21,749,000 | 19,782,000 | 20,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,721,000 | 40,039,000 | 44,324,000 | 39,880,000 |
| Interest-bearing deposits | 36,876,000 | 31,922,000 | 36,539,000 | 31,563,000 |
| Noninterest-bearing deposits | 7,845,000 | 8,117,000 | 7,785,000 | 8,317,000 |
| Equity capital | 4,273,000 | 4,200,000 | 4,320,000 | 4,174,000 |
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 | 432,000 | 863,000 | 1,293,000 | 1,733,000 |
| Interest expense | 73,000 | 145,000 | 221,000 | 298,000 |
| Net interest income | 359,000 | 718,000 | 1,072,000 | 1,435,000 |
| Noninterest income | 62,000 | 142,000 | 214,000 | 278,000 |
| Noninterest expense | 308,000 | 613,000 | 922,000 | 1,283,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 247,000 | 370,000 | 436,000 |
| Income tax | 1,000 | 8,000 | 15,000 | 24,000 |
| Net income | 112,000 | 239,000 | 355,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,050,000 | 4,087,000 | 4,113,000 | 4,080,000 |
| Total capital | 4,296,000 | 4,335,000 | 4,361,000 | 4,308,000 |
| Risk-weighted assets | 29,180,000 | 27,988,000 | 29,137,000 | 27,993,000 |