Call reports 2014
CITIZENS BANK, THE — 2014
What CITIZENS BANK, THE 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 | 265,100,000 | 261,085,000 | 252,549,000 | 258,537,000 |
| Total loans | 172,858,000 | 169,536,000 | 165,749,000 | 162,174,000 |
| Allowance for loan losses | 3,041,000 | 3,064,000 | 2,897,000 | 2,913,000 |
| Securities available for sale | 3,818,000 | 3,812,000 | 3,801,000 | 3,042,000 |
| Securities held to maturity | 34,085,000 | 35,480,000 | 35,793,000 | 36,155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,111,000 | 231,983,000 | 222,891,000 | 228,380,000 |
| Interest-bearing deposits | 204,447,000 | 197,140,000 | 193,771,000 | 195,585,000 |
| Noninterest-bearing deposits | 31,664,000 | 34,843,000 | 29,120,000 | 32,795,000 |
| Equity capital | 27,909,000 | 28,130,000 | 28,536,000 | 29,099,000 |
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 | 2,636,000 | 5,179,000 | 7,730,000 | 10,215,000 |
| Interest expense | 407,000 | 782,000 | 1,134,000 | 1,468,000 |
| Net interest income | 2,229,000 | 4,397,000 | 6,596,000 | 8,747,000 |
| Noninterest income | -154,000 | -467,000 | -368,000 | -124,000 |
| Noninterest expense | 1,628,000 | 3,193,000 | 4,796,000 | 6,529,000 |
| Provision for loan losses | 200,000 | 275,000 | 575,000 | 675,000 |
| Pretax income | 247,000 | 462,000 | 857,000 | 1,419,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 247,000 | 462,000 | 857,000 | 1,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,916,000 | 28,131,000 | 28,526,000 | 29,088,000 |
| Total capital | 30,059,000 | 30,219,000 | 30,546,000 | 31,090,000 |
| Risk-weighted assets | 170,574,000 | 166,052,000 | 160,749,000 | 159,219,000 |
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