Call reports 2014
CITIZENS TRUST BANK — 2014
What CITIZENS TRUST 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 | 399,851,000 | 406,413,000 | 400,759,000 | 395,238,000 |
| Total loans | 181,196,000 | 187,426,000 | 186,598,000 | 191,038,000 |
| Allowance for loan losses | 3,069,000 | 2,957,000 | 2,554,000 | 2,299,000 |
| Securities available for sale | 138,388,000 | 135,836,000 | 130,131,000 | 126,610,000 |
| Securities held to maturity | 240,000 | 240,000 | 240,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,799,000 | 353,775,000 | 348,102,000 | 341,008,000 |
| Interest-bearing deposits | 270,373,000 | 269,641,000 | 266,318,000 | 257,071,000 |
| Noninterest-bearing deposits | 78,426,000 | 84,134,000 | 81,784,000 | 83,937,000 |
| Equity capital | 46,675,000 | 47,986,000 | 48,080,000 | 49,124,000 |
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 | 3,375,000 | 6,783,000 | 10,140,000 | 13,417,000 |
| Interest expense | 212,000 | 423,000 | 634,000 | 834,000 |
| Net interest income | 3,163,000 | 6,360,000 | 9,506,000 | 12,583,000 |
| Noninterest income | 841,000 | 1,829,000 | 2,557,000 | 3,790,000 |
| Noninterest expense | 3,463,000 | 7,013,000 | 10,452,000 | 14,126,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 541,000 | 1,182,000 | 1,611,000 | 2,172,000 |
| Income tax | 97,000 | 218,000 | 223,000 | 213,000 |
| Net income | 444,000 | 964,000 | 1,388,000 | 1,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,332,000 | 41,970,000 | 42,512,000 | 43,201,000 |
| Total capital | 44,214,000 | 44,903,000 | 44,741,000 | 45,500,000 |
| Risk-weighted assets | 230,370,000 | 234,595,000 | 229,955,000 | 234,863,000 |