Call reports 2014
CITIZENS BANK — 2014
What CITIZENS 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 | 58,719,000 | 57,156,000 | 57,304,000 | 58,617,000 |
| Total loans | 46,764,000 | 47,705,000 | 48,760,000 | 48,570,000 |
| Allowance for loan losses | 419,000 | 429,000 | 415,000 | 419,000 |
| Securities available for sale | 636,000 | 633,000 | 629,000 | 124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,869,000 | 49,501,000 | 46,518,000 | 47,911,000 |
| Interest-bearing deposits | 33,582,000 | 34,884,000 | 32,651,000 | 33,301,000 |
| Noninterest-bearing deposits | 16,288,000 | 14,618,000 | 13,867,000 | 14,610,000 |
| Equity capital | 4,256,000 | 4,023,000 | 4,112,000 | 4,118,000 |
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 | 718,000 | 1,430,000 | 2,163,000 | 2,894,000 |
| Interest expense | 50,000 | 101,000 | 152,000 | 201,000 |
| Net interest income | 668,000 | 1,329,000 | 2,011,000 | 2,693,000 |
| Noninterest income | 175,000 | 331,000 | 491,000 | 628,000 |
| Noninterest expense | 605,000 | 1,197,000 | 1,837,000 | 2,534,000 |
| Provision for loan losses | 6,000 | 15,000 | 31,000 | 46,000 |
| Pretax income | 232,000 | 448,000 | 634,000 | 741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 232,000 | 448,000 | 634,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,256,000 | 4,023,000 | 4,112,000 | 4,118,000 |
| Total capital | 4,675,000 | 4,452,000 | 4,527,000 | 4,537,000 |
| Risk-weighted assets | 41,573,000 | 42,486,000 | 43,597,000 | 44,002,000 |