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 | 100,148,000 | 99,252,000 | 99,885,000 | 99,068,000 |
| Total loans | 46,191,000 | 45,549,000 | 45,790,000 | 46,902,000 |
| Allowance for loan losses | 513,000 | 510,000 | 517,000 | 548,000 |
| Securities available for sale | 43,426,000 | 43,732,000 | 43,897,000 | 43,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,517,000 | 82,058,000 | 81,977,000 | 81,864,000 |
| Interest-bearing deposits | 66,147,000 | 65,065,000 | 64,579,000 | 64,245,000 |
| Noninterest-bearing deposits | 16,370,000 | 16,993,000 | 17,398,000 | 17,619,000 |
| Equity capital | 12,705,000 | 12,597,000 | 13,180,000 | 12,524,000 |
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 | 905,000 | 1,809,000 | 2,729,000 | 3,647,000 |
| Interest expense | 151,000 | 304,000 | 458,000 | 615,000 |
| Net interest income | 754,000 | 1,505,000 | 2,271,000 | 3,032,000 |
| Noninterest income | 56,000 | 111,000 | 163,000 | 213,000 |
| Noninterest expense | 342,000 | 681,000 | 1,063,000 | 1,581,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 468,000 | 935,000 | 1,390,000 | 1,648,000 |
| Income tax | 131,000 | 263,000 | 359,000 | 446,000 |
| Net income | 337,000 | 672,000 | 1,031,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,948,000 | 12,283,000 | 12,642,000 | 12,038,000 |
| Total capital | 12,461,000 | 12,793,000 | 13,159,000 | 12,586,000 |
| Risk-weighted assets | 55,232,000 | 54,779,000 | 55,147,000 | 56,060,000 |