Call reports 2014
CITIZENS BANK, THE — 2014
What CITIZENS BANK, THE 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 | 109,479,000 | 111,577,000 | 113,976,000 | 109,429,000 |
| Total loans | 71,099,000 | 73,827,000 | 75,667,000 | 70,883,000 |
| Allowance for loan losses | 1,087,000 | 920,000 | 832,000 | 911,000 |
| Securities available for sale | 28,929,000 | 28,233,000 | 28,045,000 | 28,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,631,000 | 86,174,000 | 84,594,000 | 89,210,000 |
| Interest-bearing deposits | 74,489,000 | 73,323,000 | 71,323,000 | 73,303,000 |
| Noninterest-bearing deposits | 15,142,000 | 12,851,000 | 13,271,000 | 15,907,000 |
| Equity capital | 12,853,000 | 13,593,000 | 14,008,000 | 14,609,000 |
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 | 1,252,000 | 2,517,000 | 3,828,000 | 5,096,000 |
| Interest expense | 202,000 | 410,000 | 611,000 | 805,000 |
| Net interest income | 1,050,000 | 2,107,000 | 3,217,000 | 4,291,000 |
| Noninterest income | 149,000 | 323,000 | 483,000 | 646,000 |
| Noninterest expense | 770,000 | 1,494,000 | 2,286,000 | 3,021,000 |
| Provision for loan losses | 90,000 | 280,000 | 370,000 | 460,000 |
| Pretax income | 339,000 | 656,000 | 1,044,000 | 1,456,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 339,000 | 656,000 | 1,044,000 | 1,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,650,000 | 13,845,000 | 14,168,000 | 14,458,000 |
| Total capital | 14,574,000 | 14,765,000 | 15,000,000 | 15,369,000 |
| Risk-weighted assets | 73,769,000 | 75,659,000 | 78,253,000 | 74,516,000 |