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 | 391,753,000 | 388,295,000 | 381,619,000 | 381,600,000 |
| Total loans | 225,143,000 | 227,421,000 | 231,352,000 | 233,285,000 |
| Allowance for loan losses | 4,681,000 | 4,665,000 | 4,589,000 | 4,460,000 |
| Securities available for sale | 56,861,000 | 58,739,000 | 59,319,000 | 59,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,111,000 | 341,497,000 | 334,188,000 | 333,844,000 |
| Interest-bearing deposits | 273,686,000 | 271,309,000 | 264,567,000 | 265,069,000 |
| Noninterest-bearing deposits | 72,425,000 | 70,188,000 | 69,621,000 | 68,775,000 |
| Equity capital | 36,419,000 | 37,714,000 | 38,303,000 | 38,866,000 |
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 | 3,598,000 | 7,208,000 | 10,869,000 | 14,539,000 |
| Interest expense | 321,000 | 644,000 | 956,000 | 1,259,000 |
| Net interest income | 3,277,000 | 6,564,000 | 9,913,000 | 13,280,000 |
| Noninterest income | 974,000 | 2,080,000 | 3,004,000 | 4,042,000 |
| Noninterest expense | 3,114,000 | 6,323,000 | 9,709,000 | 13,169,000 |
| Provision for loan losses | 90,000 | 180,000 | 245,000 | 260,000 |
| Pretax income | 1,047,000 | 2,141,000 | 2,963,000 | 3,893,000 |
| Income tax | 355,000 | 726,000 | 1,015,000 | 1,277,000 |
| Net income | 692,000 | 1,415,000 | 1,948,000 | 2,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,976,000 | 34,742,000 | 35,316,000 | 35,526,000 |
| Total capital | 36,817,000 | 37,587,000 | 38,191,000 | 38,423,000 |
| Risk-weighted assets | 225,477,000 | 225,786,000 | 228,268,000 | 230,230,000 |
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