Call reports 2014
CITIZENS BANK — 2014
What CITIZENS BANK 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 | 144,926,000 | 144,416,000 | 151,247,000 | 153,311,000 |
| Total loans | 110,742,000 | 115,772,000 | 119,557,000 | 123,707,000 |
| Allowance for loan losses | 1,296,000 | 1,367,000 | 1,396,000 | 1,424,000 |
| Securities available for sale | 17,231,000 | 16,832,000 | 16,533,000 | 16,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,081,000 | 130,929,000 | 137,408,000 | 132,156,000 |
| Interest-bearing deposits | 103,708,000 | 100,468,000 | 106,255,000 | 101,278,000 |
| Noninterest-bearing deposits | 28,373,000 | 30,461,000 | 31,153,000 | 30,878,000 |
| Equity capital | 11,337,000 | 11,866,000 | 12,161,000 | 12,681,000 |
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 | 1,683,000 | 3,482,000 | 5,241,000 | 7,054,000 |
| Interest expense | 88,000 | 175,000 | 264,000 | 352,000 |
| Net interest income | 1,595,000 | 3,307,000 | 4,977,000 | 6,702,000 |
| Noninterest income | 128,000 | 391,000 | 603,000 | 843,000 |
| Noninterest expense | 1,541,000 | 3,184,000 | 4,786,000 | 6,353,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 315,000 |
| Pretax income | 104,000 | 381,000 | 583,000 | 900,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 104,000 | 381,000 | 583,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,040,000 | 12,317,000 | 12,519,000 | 12,836,000 |
| Total capital | 13,329,000 | 13,658,000 | 13,915,000 | 14,260,000 |
| Risk-weighted assets | 103,136,000 | 107,221,000 | 112,039,000 | 115,474,000 |
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