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 | 112,897,000 | 115,027,000 | 112,695,000 | 111,640,000 |
| Total loans | 65,514,000 | 70,797,000 | 74,294,000 | 78,871,000 |
| Allowance for loan losses | 1,168,000 | 1,176,000 | 1,204,000 | 1,237,000 |
| Securities available for sale | 19,631,000 | 20,716,000 | 18,690,000 | 18,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,271,000 | 101,718,000 | 99,399,000 | 98,390,000 |
| Interest-bearing deposits | 69,497,000 | 69,649,000 | 66,463,000 | 66,428,000 |
| Noninterest-bearing deposits | 30,774,000 | 32,069,000 | 32,936,000 | 31,962,000 |
| Equity capital | 11,661,000 | 12,077,000 | 12,080,000 | 12,107,000 |
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 | 1,025,000 | 2,120,000 | 3,258,000 | 4,482,000 |
| Interest expense | 72,000 | 142,000 | 207,000 | 272,000 |
| Net interest income | 953,000 | 1,978,000 | 3,051,000 | 4,210,000 |
| Noninterest income | 435,000 | 1,349,000 | 1,485,000 | 1,596,000 |
| Noninterest expense | 1,121,000 | 2,444,000 | 3,536,000 | 4,680,000 |
| Provision for loan losses | 230,000 | 260,000 | 290,000 | 320,000 |
| Pretax income | 37,000 | 623,000 | 710,000 | 806,000 |
| Income tax | 6,000 | 195,000 | 216,000 | 242,000 |
| Net income | 31,000 | 428,000 | 494,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,546,000 | 11,910,000 | 11,919,000 | 11,932,000 |
| Total capital | 12,595,000 | 13,020,000 | 13,030,000 | 13,055,000 |
| Risk-weighted assets | 69,690,000 | 74,624,000 | 74,790,000 | 75,640,000 |