Call reports 2014
CITIZENS DEPOSIT BANK & TRUST, INC. — 2014
What CITIZENS DEPOSIT BANK & TRUST, INC. 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 | 370,604,000 | 368,269,000 | 372,910,000 | 373,064,000 |
| Total loans | 226,070,000 | 228,656,000 | 240,368,000 | 243,839,000 |
| Allowance for loan losses | 2,574,000 | 2,412,000 | 2,394,000 | 2,421,000 |
| Securities available for sale | 105,184,000 | 109,319,000 | 98,799,000 | 94,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,383,000 | 321,194,000 | 320,240,000 | 324,672,000 |
| Interest-bearing deposits | 251,988,000 | 255,172,000 | 255,323,000 | 258,641,000 |
| Noninterest-bearing deposits | 71,395,000 | 66,022,000 | 64,917,000 | 66,031,000 |
| Equity capital | 40,395,000 | 40,862,000 | 41,004,000 | 39,878,000 |
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 | 3,661,000 | 7,148,000 | 10,743,000 | 14,368,000 |
| Interest expense | 261,000 | 517,000 | 770,000 | 1,024,000 |
| Net interest income | 3,400,000 | 6,631,000 | 9,973,000 | 13,344,000 |
| Noninterest income | 665,000 | 1,414,000 | 2,215,000 | 2,966,000 |
| Noninterest expense | 2,259,000 | 4,797,000 | 7,234,000 | 9,878,000 |
| Provision for loan losses | -165,000 | -182,000 | -162,000 | -42,000 |
| Pretax income | 1,971,000 | 3,430,000 | 5,144,000 | 6,502,000 |
| Income tax | 666,000 | 1,170,000 | 1,754,000 | 2,224,000 |
| Net income | 1,305,000 | 2,260,000 | 3,390,000 | 4,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,049,000 | 35,234,000 | 35,616,000 | 34,319,000 |
| Total capital | 37,623,000 | 37,646,000 | 38,010,000 | 36,740,000 |
| Risk-weighted assets | 210,213,000 | 212,054,000 | 225,987,000 | 228,223,000 |
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