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 | 143,222,000 | 143,026,000 | 139,364,000 | 140,898,000 |
| Total loans | 105,963,000 | 106,497,000 | 105,862,000 | 104,930,000 |
| Allowance for loan losses | 1,193,000 | 1,096,000 | 1,095,000 | 1,060,000 |
| Securities available for sale | 16,230,000 | 16,263,000 | 16,101,000 | 16,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,870,000 | 113,196,000 | 112,225,000 | 113,902,000 |
| Interest-bearing deposits | 101,940,000 | 101,851,000 | 101,535,000 | 102,718,000 |
| Noninterest-bearing deposits | 11,930,000 | 11,345,000 | 10,690,000 | 11,184,000 |
| Equity capital | 14,130,000 | 14,564,000 | 14,808,000 | 14,687,000 |
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 | 1,647,000 | 3,337,000 | 5,002,000 | 6,691,000 |
| Interest expense | 289,000 | 579,000 | 866,000 | 1,153,000 |
| Net interest income | 1,358,000 | 2,758,000 | 4,136,000 | 5,538,000 |
| Noninterest income | 315,000 | 634,000 | 919,000 | 1,204,000 |
| Noninterest expense | 1,305,000 | 2,618,000 | 3,885,000 | 5,097,000 |
| Provision for loan losses | 60,000 | 120,000 | 230,000 | 290,000 |
| Pretax income | 308,000 | 654,000 | 940,000 | 1,355,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 308,000 | 654,000 | 940,000 | 1,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,399,000 | 14,616,000 | 14,802,000 | 14,487,000 |
| Total capital | 15,590,000 | 15,712,000 | 15,897,000 | 15,547,000 |
| Risk-weighted assets | 95,288,000 | 94,979,000 | 92,882,000 | 93,449,000 |