Call reports 2014
CITIZENS BANK & TRUST — 2014
What CITIZENS BANK & TRUST 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 | 88,010,000 | 89,801,000 | 87,049,000 | 92,789,000 |
| Total loans | 33,583,000 | 34,002,000 | 34,686,000 | 36,926,000 |
| Allowance for loan losses | 662,000 | 657,000 | 651,000 | 644,000 |
| Securities available for sale | 42,310,000 | 42,488,000 | 40,825,000 | 40,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,230,000 | 77,498,000 | 74,508,000 | 79,799,000 |
| Interest-bearing deposits | 58,974,000 | 60,875,000 | 59,079,000 | 64,716,000 |
| Noninterest-bearing deposits | 16,256,000 | 16,623,000 | 15,429,000 | 15,083,000 |
| Equity capital | 9,217,000 | 9,666,000 | 9,718,000 | 9,786,000 |
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 | 667,000 | 1,353,000 | 2,046,000 | 2,738,000 |
| Interest expense | 43,000 | 87,000 | 132,000 | 176,000 |
| Net interest income | 624,000 | 1,266,000 | 1,914,000 | 2,562,000 |
| Noninterest income | 115,000 | 233,000 | 372,000 | 512,000 |
| Noninterest expense | 517,000 | 1,023,000 | 1,540,000 | 2,062,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 250,000 | 504,000 | 774,000 | 1,040,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 504,000 | 774,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,080,000 | 9,234,000 | 9,404,000 | 9,370,000 |
| Total capital | 9,618,000 | 9,767,000 | 9,935,000 | 9,927,000 |
| Risk-weighted assets | 42,917,000 | 42,529,000 | 42,385,000 | 44,484,000 |
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