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 | 138,650,000 | 140,739,000 | 145,956,000 | 153,475,000 |
| Total loans | 92,663,000 | 98,925,000 | 114,150,000 | 110,806,000 |
| Allowance for loan losses | 1,001,000 | 997,000 | 1,002,000 | 1,070,000 |
| Securities available for sale | 200,000 | 200,000 | 200,000 | 0 |
| Securities held to maturity | 25,415,000 | 25,807,000 | 26,163,000 | 25,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,517,000 | 112,286,000 | 111,700,000 | 121,324,000 |
| Interest-bearing deposits | 91,154,000 | 92,744,000 | 93,311,000 | 91,135,000 |
| Noninterest-bearing deposits | 19,363,000 | 19,542,000 | 18,389,000 | 30,189,000 |
| Equity capital | 13,998,000 | 14,500,000 | 14,885,000 | 15,137,000 |
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 | 1,516,000 | 3,072,000 | 4,761,000 | 6,513,000 |
| Interest expense | 208,000 | 419,000 | 653,000 | 892,000 |
| Net interest income | 1,308,000 | 2,653,000 | 4,108,000 | 5,621,000 |
| Noninterest income | 117,000 | 187,000 | 284,000 | 387,000 |
| Noninterest expense | 713,000 | 1,458,000 | 2,212,000 | 3,165,000 |
| Provision for loan losses | 75,000 | 75,000 | 115,000 | 215,000 |
| Pretax income | 564,000 | 1,234,000 | 1,992,000 | 2,555,000 |
| Income tax | 104,000 | 272,000 | 444,000 | 555,000 |
| Net income | 460,000 | 962,000 | 1,548,000 | 2,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,984,000 | 14,492,000 | 14,883,000 | 15,137,000 |
| Total capital | 14,985,000 | 15,489,000 | 15,885,000 | 16,207,000 |
| Risk-weighted assets | 121,356,000 | 121,840,000 | 126,590,000 | 126,602,000 |