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 | 370,501,000 | 380,124,000 | 381,216,000 | 379,303,000 |
| Total loans | 259,860,000 | 271,943,000 | 281,361,000 | 287,212,000 |
| Allowance for loan losses | 4,196,000 | 4,260,000 | 4,449,000 | 4,672,000 |
| Securities available for sale | 51,093,000 | 52,585,000 | 51,191,000 | 51,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,404,000 | 331,307,000 | 329,827,000 | 327,365,000 |
| Interest-bearing deposits | 248,869,000 | 255,411,000 | 254,470,000 | 249,914,000 |
| Noninterest-bearing deposits | 72,535,000 | 75,896,000 | 75,357,000 | 77,451,000 |
| Equity capital | 33,991,000 | 34,948,000 | 36,746,000 | 37,311,000 |
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 | 4,424,000 | 9,015,000 | 13,690,000 | 18,352,000 |
| Interest expense | 517,000 | 1,001,000 | 1,484,000 | 1,956,000 |
| Net interest income | 3,907,000 | 8,014,000 | 12,206,000 | 16,396,000 |
| Noninterest income | 934,000 | 1,843,000 | 2,839,000 | 3,803,000 |
| Noninterest expense | 3,211,000 | 6,460,000 | 9,635,000 | 13,423,000 |
| Provision for loan losses | 115,000 | 277,000 | 580,000 | 918,000 |
| Pretax income | 1,515,000 | 3,120,000 | 4,839,000 | 5,867,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,515,000 | 3,120,000 | 4,839,000 | 5,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,506,000 | 38,910,000 | 40,630,000 | 40,557,000 |
| Total capital | 41,605,000 | 42,130,000 | 43,953,000 | 43,928,000 |
| Risk-weighted assets | 246,790,000 | 256,542,000 | 264,721,000 | 268,399,000 |