Call reports 2014
CITIZENS BANK AND TRUST COMPANY — 2014
What CITIZENS BANK AND TRUST COMPANY 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 | 338,558,000 | 336,931,000 | 336,602,000 | 336,527,000 |
| Total loans | 186,583,000 | 187,438,000 | 185,909,000 | 183,029,000 |
| Allowance for loan losses | 2,377,000 | 2,367,000 | 2,390,000 | 2,331,000 |
| Securities available for sale | 100,653,000 | 99,512,000 | 99,494,000 | 98,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,772,000 | 285,940,000 | 285,224,000 | 285,898,000 |
| Interest-bearing deposits | 242,494,000 | 241,593,000 | 237,594,000 | 240,615,000 |
| Noninterest-bearing deposits | 45,278,000 | 44,347,000 | 47,630,000 | 45,283,000 |
| Equity capital | 40,405,000 | 41,656,000 | 42,123,000 | 41,808,000 |
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 | 3,303,000 | 6,654,000 | 9,909,000 | 13,098,000 |
| Interest expense | 420,000 | 836,000 | 1,240,000 | 1,614,000 |
| Net interest income | 2,883,000 | 5,818,000 | 8,669,000 | 11,484,000 |
| Noninterest income | 680,000 | 1,373,000 | 2,109,000 | 2,840,000 |
| Noninterest expense | 2,209,000 | 4,431,000 | 6,683,000 | 9,055,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 1,316,000 | 2,685,000 | 3,982,000 | 5,119,000 |
| Income tax | 341,000 | 696,000 | 1,027,000 | 1,304,000 |
| Net income | 975,000 | 1,989,000 | 2,955,000 | 3,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,655,000 | 41,270,000 | 41,835,000 | 42,295,000 |
| Total capital | 43,032,000 | 43,637,000 | 44,225,000 | 44,626,000 |
| Risk-weighted assets | 195,748,000 | 194,783,000 | 195,388,000 | 193,717,000 |