Call reports 2014
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2014
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 195,295,000 | 192,419,000 | 193,772,000 | 196,164,000 |
| Total loans | 65,734,000 | 67,381,000 | 65,628,000 | 65,015,000 |
| Allowance for loan losses | 690,000 | 693,000 | 931,000 | 931,000 |
| Securities available for sale | 65,150,000 | 68,865,000 | 70,682,000 | 70,309,000 |
| Securities held to maturity | 37,195,000 | 36,004,000 | 36,397,000 | 38,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,896,000 | 158,559,000 | 159,669,000 | 161,968,000 |
| Interest-bearing deposits | 126,477,000 | 121,745,000 | 122,115,000 | 124,735,000 |
| Noninterest-bearing deposits | 35,419,000 | 36,814,000 | 37,554,000 | 37,233,000 |
| Equity capital | 32,469,000 | 32,719,000 | 33,104,000 | 33,319,000 |
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 | 1,667,000 | 3,363,000 | 5,003,000 | 6,672,000 |
| Interest expense | 117,000 | 221,000 | 322,000 | 436,000 |
| Net interest income | 1,550,000 | 3,142,000 | 4,681,000 | 6,236,000 |
| Noninterest income | 224,000 | 490,000 | 741,000 | 982,000 |
| Noninterest expense | 1,220,000 | 2,515,000 | 3,773,000 | 5,086,000 |
| Provision for loan losses | 20,000 | 50,000 | 285,000 | 285,000 |
| Pretax income | 537,000 | 1,070,000 | 1,367,000 | 1,854,000 |
| Income tax | 96,000 | 198,000 | 200,000 | 200,000 |
| Net income | 441,000 | 872,000 | 1,167,000 | 1,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,729,000 | 32,641,000 | 32,936,000 | 32,742,000 |
| Total capital | 33,419,000 | 33,334,000 | 33,867,000 | 33,673,000 |
| Risk-weighted assets | 90,984,000 | 92,779,000 | 91,150,000 | 90,664,000 |
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