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 | 177,839,000 | 180,076,000 | 184,037,000 | 190,145,000 |
| Total loans | 133,711,000 | 140,129,000 | 145,921,000 | 150,415,000 |
| Allowance for loan losses | 2,060,000 | 2,128,000 | 2,169,000 | 2,228,000 |
| Securities available for sale | 31,132,000 | 30,197,000 | 29,136,000 | 28,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,482,000 | 156,607,000 | 160,657,000 | 166,577,000 |
| Interest-bearing deposits | 124,657,000 | 125,963,000 | 129,129,000 | 131,937,000 |
| Noninterest-bearing deposits | 31,825,000 | 30,644,000 | 31,528,000 | 34,640,000 |
| Equity capital | 16,905,000 | 17,316,000 | 17,959,000 | 18,472,000 |
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 | 2,161,000 | 4,415,000 | 6,729,000 | 9,042,000 |
| Interest expense | 249,000 | 502,000 | 763,000 | 1,035,000 |
| Net interest income | 1,912,000 | 3,913,000 | 5,966,000 | 8,007,000 |
| Noninterest income | 160,000 | 337,000 | 526,000 | 730,000 |
| Noninterest expense | 1,223,000 | 2,420,000 | 3,693,000 | 5,014,000 |
| Provision for loan losses | 30,000 | 100,000 | 215,000 | 300,000 |
| Pretax income | 819,000 | 1,730,000 | 2,584,000 | 3,423,000 |
| Income tax | 313,000 | 662,000 | 989,000 | 1,285,000 |
| Net income | 506,000 | 1,068,000 | 1,595,000 | 2,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,972,000 | 17,534,000 | 18,062,000 | 18,603,000 |
| Total capital | 18,700,000 | 19,401,000 | 19,997,000 | 20,592,000 |
| Risk-weighted assets | 137,916,000 | 149,133,000 | 154,552,000 | 158,910,000 |