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 | 320,211,000 | 330,110,000 | 343,072,000 | 357,341,000 |
| Total loans | 228,478,000 | 230,767,000 | 232,005,000 | 239,873,000 |
| Allowance for loan losses | 4,000,000 | 4,194,000 | 4,157,000 | 3,406,000 |
| Securities available for sale | 60,414,000 | 71,598,000 | 81,266,000 | 86,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,127,000 | 286,231,000 | 293,776,000 | 296,396,000 |
| Interest-bearing deposits | 221,210,000 | 232,703,000 | 235,226,000 | 232,255,000 |
| Noninterest-bearing deposits | 55,917,000 | 53,528,000 | 58,549,000 | 64,141,000 |
| Equity capital | 32,013,000 | 33,058,000 | 33,634,000 | 34,292,000 |
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 | 3,492,000 | 7,034,000 | 10,680,000 | 14,337,000 |
| Interest expense | 414,000 | 823,000 | 1,238,000 | 1,649,000 |
| Net interest income | 3,078,000 | 6,211,000 | 9,442,000 | 12,688,000 |
| Noninterest income | 615,000 | 1,252,000 | 1,937,000 | 2,659,000 |
| Noninterest expense | 2,425,000 | 4,886,000 | 7,457,000 | 9,933,000 |
| Provision for loan losses | 1,305,000 | 1,530,000 | 1,605,000 | 1,897,000 |
| Pretax income | -37,000 | 1,136,000 | 2,438,000 | 3,689,000 |
| Income tax | -125,000 | 202,000 | 570,000 | 685,000 |
| Net income | 88,000 | 934,000 | 1,868,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,103,000 | 32,749,000 | 33,298,000 | 33,678,000 |
| Total capital | 35,362,000 | 36,079,000 | 36,668,000 | 37,084,000 |
| Risk-weighted assets | 259,941,000 | 265,521,000 | 268,779,000 | 279,558,000 |
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