Call reports 2014
CITIZENS BANK, THE — 2014
What CITIZENS BANK, THE 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 | 122,247,000 | 119,345,000 | 122,688,000 | 126,501,000 |
| Total loans | 84,734,000 | 85,698,000 | 84,887,000 | 86,513,000 |
| Allowance for loan losses | 768,000 | 809,000 | 795,000 | 792,000 |
| Securities available for sale | 17,850,000 | 18,022,000 | 17,320,000 | 19,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,686,000 | 98,697,000 | 100,457,000 | 104,153,000 |
| Interest-bearing deposits | 71,030,000 | 70,793,000 | 70,528,000 | 74,427,000 |
| Noninterest-bearing deposits | 29,656,000 | 27,904,000 | 29,929,000 | 29,726,000 |
| Equity capital | 12,054,000 | 12,049,000 | 12,096,000 | 12,256,000 |
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 | 1,223,000 | 2,414,000 | 3,609,000 | 4,791,000 |
| Interest expense | 53,000 | 108,000 | 166,000 | 227,000 |
| Net interest income | 1,170,000 | 2,306,000 | 3,443,000 | 4,564,000 |
| Noninterest income | 276,000 | 565,000 | 846,000 | 1,142,000 |
| Noninterest expense | 1,125,000 | 2,249,000 | 3,391,000 | 4,533,000 |
| Provision for loan losses | 60,000 | 120,000 | 142,000 | 165,000 |
| Pretax income | 261,000 | 502,000 | 756,000 | 1,008,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 261,000 | 502,000 | 756,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,831,000 | 9,686,000 | 9,779,000 | 9,929,000 |
| Total capital | 10,599,000 | 10,495,000 | 10,574,000 | 10,721,000 |
| Risk-weighted assets | 71,621,000 | 70,368,000 | 69,991,000 | 71,573,000 |