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 | 387,218,000 | 387,054,000 | 384,666,000 | 395,681,000 |
| Total loans | 250,227,000 | 258,012,000 | 268,235,000 | 281,360,000 |
| Allowance for loan losses | 3,547,000 | 3,527,000 | 3,613,000 | 3,738,000 |
| Securities available for sale | 74,509,000 | 91,712,000 | 93,523,000 | 95,027,000 |
| Securities held to maturity | 10,514,000 | 9,197,000 | 7,454,000 | 6,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,988,000 | 338,451,000 | 328,175,000 | 343,515,000 |
| Interest-bearing deposits | 260,352,000 | 265,037,000 | 252,876,000 | 272,041,000 |
| Noninterest-bearing deposits | 75,636,000 | 73,414,000 | 75,299,000 | 71,474,000 |
| Equity capital | 36,600,000 | 37,181,000 | 37,392,000 | 37,964,000 |
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 | 3,508,000 | 6,973,000 | 10,605,000 | 14,220,000 |
| Interest expense | 376,000 | 742,000 | 1,089,000 | 1,402,000 |
| Net interest income | 3,132,000 | 6,231,000 | 9,516,000 | 12,818,000 |
| Noninterest income | 827,000 | 1,699,000 | 2,558,000 | 3,412,000 |
| Noninterest expense | 3,422,000 | 6,708,000 | 10,010,000 | 14,756,000 |
| Provision for loan losses | 0 | 0 | 111,000 | 201,000 |
| Pretax income | 537,000 | 1,222,000 | 1,953,000 | 1,273,000 |
| Income tax | 153,000 | 368,000 | 604,000 | 291,000 |
| Net income | 384,000 | 854,000 | 1,349,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,007,000 | 37,273,000 | 37,653,000 | 37,147,000 |
| Total capital | 40,544,000 | 40,800,000 | 41,266,000 | 40,885,000 |
| Risk-weighted assets | 282,970,000 | 300,341,000 | 302,928,000 | 315,288,000 |
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