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 | 675,341,000 | 662,221,000 | 660,289,000 | 659,844,000 |
| Total loans | 468,814,000 | 463,625,000 | 468,891,000 | 410,911,000 |
| Allowance for loan losses | 6,671,000 | 6,363,000 | 12,807,000 | 12,803,000 |
| Securities available for sale | 96,342,000 | 97,048,000 | 97,017,000 | 93,818,000 |
| Securities held to maturity | 18,746,000 | 18,599,000 | 19,296,000 | 20,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,647,000 | 578,666,000 | 580,420,000 | 578,471,000 |
| Interest-bearing deposits | 509,121,000 | 489,758,000 | 481,826,000 | 483,019,000 |
| Noninterest-bearing deposits | 84,525,000 | 88,908,000 | 98,594,000 | 95,452,000 |
| Equity capital | 79,283,000 | 80,758,000 | 78,233,000 | 79,658,000 |
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 | 5,436,000 | 10,943,000 | 16,525,000 | 22,069,000 |
| Interest expense | 547,000 | 1,074,000 | 1,578,000 | 2,052,000 |
| Net interest income | 4,889,000 | 9,869,000 | 14,947,000 | 20,017,000 |
| Noninterest income | 1,062,000 | 2,272,000 | 3,472,000 | 5,281,000 |
| Noninterest expense | 4,360,000 | 8,394,000 | 12,503,000 | 17,635,000 |
| Provision for loan losses | 200,000 | 200,000 | 6,657,000 | 6,657,000 |
| Pretax income | 1,391,000 | 3,547,000 | -741,000 | 1,006,000 |
| Income tax | 423,000 | 1,109,000 | -681,000 | -119,000 |
| Net income | 968,000 | 2,438,000 | -60,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,076,000 | 82,246,000 | 79,748,000 | 80,634,000 |
| Total capital | 85,981,000 | 87,167,000 | 84,979,000 | 85,800,000 |
| Risk-weighted assets | 390,652,000 | 392,239,000 | 410,935,000 | 405,726,000 |
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