Call reports 2014
CITIZENS BANK & TRUST COMPANY — 2014
What CITIZENS BANK & 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 | 184,132,000 | 173,348,000 | 176,193,000 | 182,093,000 |
| Total loans | 114,824,000 | 113,912,000 | 113,178,000 | 111,167,000 |
| Allowance for loan losses | 1,855,000 | 1,872,000 | 1,805,000 | 1,837,000 |
| Securities available for sale | 54,692,000 | 52,826,000 | 52,986,000 | 52,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,456,000 | 136,857,000 | 138,869,000 | 144,517,000 |
| Interest-bearing deposits | 111,802,000 | 110,920,000 | 113,751,000 | 116,115,000 |
| Noninterest-bearing deposits | 26,654,000 | 25,937,000 | 25,118,000 | 28,402,000 |
| Equity capital | 29,455,000 | 30,041,000 | 30,827,000 | 30,867,000 |
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 | 1,874,000 | 3,767,000 | 5,647,000 | 7,417,000 |
| Interest expense | 180,000 | 360,000 | 536,000 | 708,000 |
| Net interest income | 1,694,000 | 3,407,000 | 5,111,000 | 6,709,000 |
| Noninterest income | 312,000 | 621,000 | 971,000 | 1,317,000 |
| Noninterest expense | 1,290,000 | 2,602,000 | 3,899,000 | 5,184,000 |
| Provision for loan losses | 10,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 695,000 | 1,355,000 | 2,082,000 | 2,711,000 |
| Income tax | 125,000 | 310,000 | 450,000 | 600,000 |
| Net income | 570,000 | 1,045,000 | 1,632,000 | 2,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,197,000 | 30,322,000 | 30,909,000 | 31,038,000 |
| Total capital | 31,590,000 | 31,719,000 | 32,287,000 | 32,372,000 |
| Risk-weighted assets | 114,535,000 | 111,285,000 | 109,952,000 | 109,456,000 |
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