Call reports 2014
CITIZENS BANK AND TRUST COMPANY — 2014
What CITIZENS BANK AND 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 | 134,909,000 | 124,561,000 | 123,637,000 | 133,390,000 |
| Total loans | 71,610,000 | 78,817,000 | 84,305,000 | 79,184,000 |
| Allowance for loan losses | 811,000 | 773,000 | 811,000 | 961,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 43,020,000 | 31,530,000 | 26,356,000 | 30,876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,879,000 | 101,359,000 | 100,049,000 | 110,219,000 |
| Interest-bearing deposits | 82,651,000 | 76,305,000 | 74,581,000 | 83,876,000 |
| Noninterest-bearing deposits | 29,228,000 | 25,054,000 | 25,468,000 | 26,343,000 |
| Equity capital | 12,358,000 | 12,435,000 | 12,758,000 | 12,548,000 |
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 | 1,105,000 | 2,286,000 | 3,599,000 | 4,857,000 |
| Interest expense | 132,000 | 262,000 | 393,000 | 518,000 |
| Net interest income | 973,000 | 2,024,000 | 3,206,000 | 4,339,000 |
| Noninterest income | 241,000 | 485,000 | 764,000 | 1,038,000 |
| Noninterest expense | 1,031,000 | 2,088,000 | 3,083,000 | 4,175,000 |
| Provision for loan losses | 18,000 | 55,000 | 141,000 | 348,000 |
| Pretax income | 165,000 | 366,000 | 746,000 | 854,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 165,000 | 366,000 | 746,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,057,000 | 12,155,000 | 12,509,000 | 12,319,000 |
| Total capital | 12,868,000 | 12,928,000 | 13,320,000 | 13,280,000 |
| Risk-weighted assets | 107,777,000 | 108,728,000 | 112,110,000 | 111,715,000 |