Call reports 2014
CITIZENS BANK AND TRUST — 2014
What CITIZENS BANK AND TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 450,606,000 | 453,558,000 | 449,975,000 | 436,190,000 |
| Total loans | 284,201,000 | 291,356,000 | 293,009,000 | 292,868,000 |
| Allowance for loan losses | 5,496,000 | 5,329,000 | 5,371,000 | 4,931,000 |
| Securities available for sale | 114,161,000 | 125,439,000 | 124,268,000 | 113,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,821,000 | 386,346,000 | 381,950,000 | 370,953,000 |
| Interest-bearing deposits | 255,194,000 | 248,818,000 | 243,994,000 | 236,485,000 |
| Noninterest-bearing deposits | 136,627,000 | 137,528,000 | 137,955,000 | 134,467,000 |
| Equity capital | 38,552,000 | 40,512,000 | 41,646,000 | 41,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,067,000 | 8,311,000 | 12,534,000 | 16,706,000 |
| Interest expense | 188,000 | 384,000 | 582,000 | 772,000 |
| Net interest income | 3,879,000 | 7,927,000 | 11,952,000 | 15,934,000 |
| Noninterest income | 1,227,000 | 2,063,000 | 3,316,000 | 4,269,000 |
| Noninterest expense | 3,982,000 | 8,064,000 | 12,353,000 | 16,837,000 |
| Provision for loan losses | -7,000 | 33,000 | 51,000 | 54,000 |
| Pretax income | 1,119,000 | 2,038,000 | 2,908,000 | 3,561,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,119,000 | 2,038,000 | 2,908,000 | 3,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,552,000 | 40,370,000 | 41,138,000 | 40,136,000 |
| Total capital | 43,135,000 | 44,093,000 | 44,818,000 | 43,752,000 |
| Risk-weighted assets | 284,719,000 | 296,250,000 | 292,868,000 | 287,979,000 |