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 | 236,289,000 | 237,551,000 | 233,417,000 | 243,466,000 |
| Total loans | 167,881,000 | 170,182,000 | 165,086,000 | 168,504,000 |
| Allowance for loan losses | 3,778,000 | 3,851,000 | 3,624,000 | 3,666,000 |
| Securities available for sale | 12,107,000 | 11,725,000 | 11,278,000 | 10,752,000 |
| Securities held to maturity | 15,285,000 | 15,355,000 | 15,699,000 | 15,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,100,000 | 203,503,000 | 198,985,000 | 207,610,000 |
| Interest-bearing deposits | 144,748,000 | 142,168,000 | 140,255,000 | 148,187,000 |
| Noninterest-bearing deposits | 59,352,000 | 61,335,000 | 58,730,000 | 59,423,000 |
| Equity capital | 26,827,000 | 27,325,000 | 27,641,000 | 26,847,000 |
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 | 2,302,000 | 4,682,000 | 7,077,000 | 9,427,000 |
| Interest expense | 141,000 | 270,000 | 392,000 | 511,000 |
| Net interest income | 2,161,000 | 4,412,000 | 6,685,000 | 8,916,000 |
| Noninterest income | 376,000 | 699,000 | 1,032,000 | 1,527,000 |
| Noninterest expense | 1,729,000 | 3,454,000 | 5,217,000 | 7,093,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 748,000 | 1,537,000 | 2,320,000 | 3,110,000 |
| Income tax | 247,000 | 541,000 | 817,000 | 1,014,000 |
| Net income | 501,000 | 996,000 | 1,503,000 | 2,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,834,000 | 27,330,000 | 27,637,000 | 26,844,000 |
| Total capital | 29,019,000 | 29,541,000 | 29,785,000 | 29,058,000 |
| Risk-weighted assets | 173,209,000 | 175,255,000 | 170,352,000 | 175,651,000 |