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 | 398,033,000 | 394,039,000 | 396,705,000 | 396,427,000 |
| Total loans | 284,441,000 | 288,910,000 | 292,918,000 | 298,129,000 |
| Allowance for loan losses | 4,651,000 | 4,559,000 | 4,503,000 | 4,464,000 |
| Securities available for sale | 50,962,000 | 53,701,000 | 52,208,000 | 49,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,218,000 | 341,205,000 | 342,615,000 | 347,296,000 |
| Interest-bearing deposits | 263,531,000 | 260,469,000 | 255,746,000 | 256,098,000 |
| Noninterest-bearing deposits | 81,687,000 | 80,736,000 | 86,869,000 | 91,198,000 |
| Equity capital | 37,538,000 | 37,043,000 | 39,127,000 | 38,178,000 |
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 | 4,521,000 | 9,096,000 | 13,745,000 | 18,420,000 |
| Interest expense | 463,000 | 916,000 | 1,351,000 | 1,756,000 |
| Net interest income | 4,058,000 | 8,180,000 | 12,394,000 | 16,664,000 |
| Noninterest income | 999,000 | 1,909,000 | 2,852,000 | 3,818,000 |
| Noninterest expense | 3,524,000 | 6,904,000 | 10,171,000 | 13,998,000 |
| Provision for loan losses | 73,000 | 146,000 | 377,000 | 814,000 |
| Pretax income | 1,460,000 | 3,039,000 | 4,709,000 | 5,681,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,460,000 | 3,039,000 | 4,709,000 | 5,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,218,000 | 40,396,000 | 42,067,000 | 41,939,000 |
| Total capital | 43,639,000 | 43,898,000 | 45,630,000 | 45,533,000 |
| Risk-weighted assets | 272,457,000 | 279,071,000 | 284,121,000 | 286,665,000 |