Call reports 2015
CITIZENS BANK, THE — 2015
What CITIZENS BANK, THE 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 | 109,561,000 | 113,216,000 | 115,929,000 | 112,855,000 |
| Total loans | 72,000,000 | 75,470,000 | 78,352,000 | 74,377,000 |
| Allowance for loan losses | 1,023,000 | 1,128,000 | 1,196,000 | 1,047,000 |
| Securities available for sale | 28,593,000 | 28,548,000 | 27,716,000 | 26,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,331,000 | 86,425,000 | 88,521,000 | 92,341,000 |
| Interest-bearing deposits | 74,596,000 | 70,755,000 | 73,974,000 | 73,222,000 |
| Noninterest-bearing deposits | 14,735,000 | 15,670,000 | 14,547,000 | 19,119,000 |
| Equity capital | 15,166,000 | 14,555,000 | 15,174,000 | 15,286,000 |
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 | 1,241,000 | 2,501,000 | 3,831,000 | 5,099,000 |
| Interest expense | 181,000 | 360,000 | 541,000 | 712,000 |
| Net interest income | 1,060,000 | 2,141,000 | 3,290,000 | 4,387,000 |
| Noninterest income | 149,000 | 314,000 | 487,000 | 647,000 |
| Noninterest expense | 762,000 | 1,547,000 | 2,348,000 | 3,120,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 520,000 |
| Pretax income | 342,000 | 698,000 | 1,116,000 | 1,396,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 342,000 | 698,000 | 1,116,000 | 1,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,630,000 | 14,654,000 | 14,926,000 | 15,075,000 |
| Total capital | 15,653,000 | 15,763,000 | 16,074,000 | 16,122,000 |
| Risk-weighted assets | 85,780,000 | 88,750,000 | 91,810,000 | 90,022,000 |