Call reports 2014
CITIZENS BANK & TRUST COMPANY — 2014
What CITIZENS BANK & TRUST COMPANY 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 | 105,690,000 | 105,975,000 | 103,754,000 | 110,966,000 |
| Total loans | 48,952,000 | 51,227,000 | 50,712,000 | 45,159,000 |
| Allowance for loan losses | 1,020,000 | 1,040,000 | 986,000 | 938,000 |
| Securities available for sale | 30,078,000 | 35,945,000 | 34,556,000 | 38,391,000 |
| Securities held to maturity | 15,000 | 15,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,837,000 | 93,850,000 | 91,500,000 | 98,828,000 |
| Interest-bearing deposits | 72,295,000 | 72,842,000 | 68,622,000 | 71,113,000 |
| Noninterest-bearing deposits | 21,542,000 | 21,008,000 | 22,878,000 | 27,715,000 |
| Equity capital | 11,599,000 | 11,865,000 | 11,963,000 | 11,962,000 |
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 | 872,000 | 1,818,000 | 2,779,000 | 3,658,000 |
| Interest expense | 64,000 | 124,000 | 185,000 | 241,000 |
| Net interest income | 808,000 | 1,694,000 | 2,594,000 | 3,417,000 |
| Noninterest income | 113,000 | 229,000 | 352,000 | 464,000 |
| Noninterest expense | 690,000 | 1,423,000 | 2,136,000 | 2,805,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 226,000 | 496,000 | 810,000 | 1,076,000 |
| Income tax | 76,000 | 169,000 | 280,000 | 373,000 |
| Net income | 150,000 | 327,000 | 530,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,394,000 | 9,595,000 | 9,733,000 | 9,772,000 |
| Total capital | 10,136,000 | 10,378,000 | 10,514,000 | 10,497,000 |
| Risk-weighted assets | 59,093,000 | 62,420,000 | 62,277,000 | 57,811,000 |
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