Call reports 2014
CITIZENS BANK AND TRUST, INC. — 2014
What CITIZENS BANK AND TRUST, INC. 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 | 93,637,000 | 92,334,000 | 93,023,000 | 93,522,000 |
| Total loans | 58,232,000 | 57,713,000 | 58,752,000 | 57,876,000 |
| Allowance for loan losses | 1,022,000 | 1,031,000 | 1,024,000 | 1,023,000 |
| Securities available for sale | 12,229,000 | 12,134,000 | 12,643,000 | 12,472,000 |
| Securities held to maturity | 6,894,000 | 7,465,000 | 7,792,000 | 8,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,826,000 | 81,215,000 | 81,695,000 | 81,945,000 |
| Interest-bearing deposits | 73,755,000 | 72,114,000 | 72,273,000 | 72,925,000 |
| Noninterest-bearing deposits | 9,071,000 | 9,101,000 | 9,422,000 | 9,020,000 |
| Equity capital | 9,570,000 | 9,835,000 | 10,099,000 | 10,135,000 |
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 | 1,066,000 | 2,146,000 | 3,238,000 | 4,311,000 |
| Interest expense | 110,000 | 217,000 | 319,000 | 412,000 |
| Net interest income | 956,000 | 1,929,000 | 2,919,000 | 3,899,000 |
| Noninterest income | 70,000 | 267,000 | 427,000 | 592,000 |
| Noninterest expense | 940,000 | 1,780,000 | 2,560,000 | 3,336,000 |
| Provision for loan losses | 33,000 | 66,000 | 89,000 | 102,000 |
| Pretax income | 53,000 | 366,000 | 715,000 | 1,071,000 |
| Income tax | 108,000 | 216,000 | 309,000 | 322,000 |
| Net income | -55,000 | 150,000 | 406,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,724,000 | 9,930,000 | 10,185,000 | 10,178,000 |
| Total capital | 10,570,000 | 10,770,000 | 11,022,000 | 11,019,000 |
| Risk-weighted assets | 67,522,000 | 67,041,000 | 66,775,000 | 67,211,000 |