Call reports 2014
CITIZENS TRI-COUNTY BANK — 2014
What CITIZENS TRI-COUNTY 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 | 625,639,000 | 621,759,000 | 621,536,000 | 627,403,000 |
| Total loans | 291,949,000 | 290,938,000 | 295,784,000 | 301,915,000 |
| Allowance for loan losses | 5,465,000 | 4,957,000 | 4,945,000 | 4,952,000 |
| Securities available for sale | 228,035,000 | 234,686,000 | 234,846,000 | 234,782,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,628,000 | 553,637,000 | 551,905,000 | 558,358,000 |
| Interest-bearing deposits | 476,106,000 | 467,314,000 | 462,376,000 | 471,616,000 |
| Noninterest-bearing deposits | 85,522,000 | 86,323,000 | 89,529,000 | 86,742,000 |
| Equity capital | 59,552,000 | 63,506,000 | 64,526,000 | 64,282,000 |
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 | 6,423,000 | 13,049,000 | 19,603,000 | 26,346,000 |
| Interest expense | 833,000 | 1,666,000 | 2,482,000 | 3,280,000 |
| Net interest income | 5,590,000 | 11,383,000 | 17,121,000 | 23,066,000 |
| Noninterest income | 1,150,000 | 2,622,000 | 3,828,000 | 4,826,000 |
| Noninterest expense | 4,271,000 | 8,736,000 | 13,176,000 | 18,023,000 |
| Provision for loan losses | -490,000 | -44,000 | 132,000 | 438,000 |
| Pretax income | 2,959,000 | 5,378,000 | 7,747,000 | 9,543,000 |
| Income tax | 188,000 | 341,000 | 494,000 | 630,000 |
| Net income | 2,771,000 | 5,037,000 | 7,253,000 | 8,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,303,000 | 57,631,000 | 57,409,000 | 56,132,000 |
| Total capital | 59,535,000 | 61,877,000 | 61,669,000 | 60,444,000 |
| Risk-weighted assets | 337,363,000 | 339,000,000 | 340,136,000 | 344,359,000 |