Call reports 2014
CITIZENS BANK — 2014
What CITIZENS BANK 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 | 537,366,000 | 548,196,000 | 569,109,000 | 579,972,000 |
| Total loans | 320,728,000 | 334,351,000 | 330,020,000 | 342,398,000 |
| Allowance for loan losses | 3,554,000 | 3,599,000 | 3,674,000 | 3,728,000 |
| Securities available for sale | 94,018,000 | 90,610,000 | 93,763,000 | 106,813,000 |
| Securities held to maturity | 768,000 | 767,000 | 467,000 | 466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,511,000 | 450,306,000 | 466,375,000 | 476,922,000 |
| Interest-bearing deposits | 266,769,000 | 279,579,000 | 287,315,000 | 284,549,000 |
| Noninterest-bearing deposits | 170,742,000 | 170,727,000 | 179,060,000 | 192,373,000 |
| Equity capital | 61,868,000 | 62,850,000 | 63,996,000 | 63,044,000 |
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 | 4,673,000 | 9,574,000 | 14,574,000 | 19,582,000 |
| Interest expense | 139,000 | 280,000 | 429,000 | 581,000 |
| Net interest income | 4,534,000 | 9,294,000 | 14,145,000 | 19,001,000 |
| Noninterest income | 704,000 | 1,422,000 | 2,130,000 | 2,924,000 |
| Noninterest expense | 3,717,000 | 7,556,000 | 11,251,000 | 15,088,000 |
| Provision for loan losses | 150,000 | 225,000 | 300,000 | 350,000 |
| Pretax income | 1,371,000 | 2,935,000 | 4,724,000 | 6,487,000 |
| Income tax | 458,000 | 995,000 | 1,614,000 | 2,214,000 |
| Net income | 913,000 | 1,940,000 | 3,110,000 | 4,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,943,000 | 62,873,000 | 64,041,000 | 63,197,000 |
| Total capital | 65,688,000 | 66,663,000 | 67,906,000 | 67,141,000 |
| Risk-weighted assets | 381,563,000 | 393,495,000 | 393,128,000 | 410,048,000 |
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