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 | 362,618,000 | 365,995,000 | 360,576,000 | 365,218,000 |
| Total loans | 210,686,000 | 216,547,000 | 213,166,000 | 215,275,000 |
| Allowance for loan losses | 4,115,000 | 4,390,000 | 4,654,000 | 4,172,000 |
| Securities available for sale | 75,501,000 | 74,506,000 | 74,230,000 | 75,056,000 |
| Securities held to maturity | 48,769,000 | 47,855,000 | 47,662,000 | 47,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,144,000 | 317,324,000 | 312,460,000 | 315,226,000 |
| Interest-bearing deposits | 259,618,000 | 259,814,000 | 257,782,000 | 263,158,000 |
| Noninterest-bearing deposits | 55,526,000 | 57,510,000 | 54,678,000 | 52,068,000 |
| Equity capital | 41,594,000 | 41,535,000 | 42,997,000 | 42,895,000 |
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 | 3,808,000 | 7,754,000 | 11,555,000 | 15,287,000 |
| Interest expense | 259,000 | 508,000 | 756,000 | 998,000 |
| Net interest income | 3,549,000 | 7,246,000 | 10,799,000 | 14,289,000 |
| Noninterest income | 592,000 | 1,137,000 | 1,791,000 | 2,399,000 |
| Noninterest expense | 2,125,000 | 4,250,000 | 6,325,000 | 8,330,000 |
| Provision for loan losses | 183,000 | 298,000 | 298,000 | 298,000 |
| Pretax income | 1,833,000 | 3,835,000 | 5,967,000 | 8,060,000 |
| Income tax | 545,000 | 1,134,000 | 1,786,000 | 2,399,000 |
| Net income | 1,288,000 | 2,701,000 | 4,181,000 | 5,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,936,000 | 40,750,000 | 42,229,000 | 42,109,000 |
| Total capital | 43,690,000 | 43,570,000 | 45,015,000 | 44,939,000 |
| Risk-weighted assets | 218,921,000 | 224,027,000 | 220,995,000 | 225,057,000 |