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 | 753,883,000 | 752,706,000 | 734,348,000 | 730,511,000 |
| Total loans | 211,953,000 | 212,098,000 | 213,940,000 | 217,483,000 |
| Allowance for loan losses | 3,632,000 | 3,538,000 | 3,557,000 | 3,550,000 |
| Securities available for sale | 258,190,000 | 260,403,000 | 256,961,000 | 252,036,000 |
| Securities held to maturity | 209,453,000 | 204,869,000 | 206,319,000 | 203,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,198,000 | 610,013,000 | 589,516,000 | 592,736,000 |
| Interest-bearing deposits | 431,082,000 | 441,802,000 | 425,910,000 | 436,372,000 |
| Noninterest-bearing deposits | 179,116,000 | 168,211,000 | 163,606,000 | 156,364,000 |
| Equity capital | 69,907,000 | 68,731,000 | 70,668,000 | 69,663,000 |
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 | 5,849,000 | 11,510,000 | 17,131,000 | 22,698,000 |
| Interest expense | 639,000 | 1,281,000 | 1,940,000 | 2,575,000 |
| Net interest income | 5,210,000 | 10,229,000 | 15,191,000 | 20,123,000 |
| Noninterest income | 1,312,000 | 2,801,000 | 4,235,000 | 5,580,000 |
| Noninterest expense | 3,630,000 | 7,228,000 | 10,788,000 | 14,349,000 |
| Provision for loan losses | 44,000 | 26,000 | 98,000 | 109,000 |
| Pretax income | 2,852,000 | 5,780,000 | 8,642,000 | 11,576,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,852,000 | 5,780,000 | 8,642,000 | 11,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,483,000 | 68,461,000 | 69,319,000 | 70,153,000 |
| Total capital | 71,314,000 | 72,388,000 | 73,254,000 | 74,070,000 |
| Risk-weighted assets | 306,442,000 | 338,912,000 | 343,558,000 | 352,580,000 |