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 | 98,873,000 | 102,946,000 | 104,987,000 | 110,652,000 |
| Total loans | 43,644,000 | 46,011,000 | 49,596,000 | 51,713,000 |
| Allowance for loan losses | 757,000 | 757,000 | 858,000 | 858,000 |
| Securities available for sale | 39,860,000 | 40,399,000 | 38,591,000 | 37,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,226,000 | 91,125,000 | 93,016,000 | 98,233,000 |
| Interest-bearing deposits | 55,112,000 | 58,366,000 | 58,076,000 | 61,722,000 |
| Noninterest-bearing deposits | 32,114,000 | 32,759,000 | 34,939,000 | 36,511,000 |
| Equity capital | 11,394,000 | 11,584,000 | 11,673,000 | 12,249,000 |
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 | 839,000 | 1,714,000 | 2,588,000 | 3,494,000 |
| Interest expense | 86,000 | 177,000 | 273,000 | 376,000 |
| Net interest income | 753,000 | 1,537,000 | 2,315,000 | 3,118,000 |
| Noninterest income | 116,000 | 230,000 | 368,000 | 745,000 |
| Noninterest expense | 667,000 | 1,488,000 | 2,199,000 | 3,040,000 |
| Provision for loan losses | 0 | 0 | 109,000 | 109,000 |
| Pretax income | 202,000 | 290,000 | 402,000 | 742,000 |
| Income tax | 60,000 | 75,000 | 100,000 | 112,000 |
| Net income | 142,000 | 215,000 | 302,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,481,000 | 10,435,000 | 10,494,000 | 10,912,000 |
| Total capital | 11,142,000 | 11,098,000 | 11,194,000 | 11,639,000 |
| Risk-weighted assets | 52,746,000 | 52,972,000 | 55,854,000 | 57,979,000 |
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