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 | 62,570,000 | 61,114,000 | 58,708,000 | 58,382,000 |
| Total loans | 50,983,000 | 52,286,000 | 49,330,000 | 47,668,000 |
| Allowance for loan losses | 435,000 | 478,000 | 495,000 | 316,000 |
| Securities available for sale | 110,000 | 106,000 | 104,000 | 98,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,641,000 | 50,150,000 | 49,372,000 | 50,050,000 |
| Interest-bearing deposits | 36,209,000 | 35,258,000 | 34,420,000 | 34,048,000 |
| Noninterest-bearing deposits | 15,432,000 | 14,892,000 | 14,953,000 | 16,002,000 |
| Equity capital | 4,314,000 | 4,318,000 | 4,154,000 | 4,227,000 |
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 | 747,000 | 1,525,000 | 2,289,000 | 3,020,000 |
| Interest expense | 48,000 | 100,000 | 147,000 | 200,000 |
| Net interest income | 699,000 | 1,425,000 | 2,142,000 | 2,820,000 |
| Noninterest income | 123,000 | 338,000 | 476,000 | 627,000 |
| Noninterest expense | 589,000 | 1,252,000 | 2,136,000 | 2,839,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 218,000 | 481,000 | 437,000 | 548,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 481,000 | 437,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,315,000 | 4,318,000 | 4,153,000 | 4,227,000 |
| Total capital | 4,750,000 | 4,796,000 | 4,648,000 | 4,543,000 |
| Risk-weighted assets | 46,197,000 | 46,425,000 | 44,479,000 | 45,295,000 |