Call reports 2014
CITIZENS BANK AND TRUST COMPANY — 2014
What CITIZENS BANK AND TRUST COMPANY 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 | 917,378,000 | 923,651,000 | 888,510,000 | 947,050,000 |
| Total loans | 575,579,000 | 584,743,000 | 564,323,000 | 604,546,000 |
| Allowance for loan losses | 9,309,000 | 7,513,000 | 7,695,000 | 7,456,000 |
| Securities available for sale | 236,236,000 | 228,776,000 | 219,824,000 | 220,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,563,000 | 695,839,000 | 664,110,000 | 688,075,000 |
| Interest-bearing deposits | 588,431,000 | 591,472,000 | 564,156,000 | 582,837,000 |
| Noninterest-bearing deposits | 108,132,000 | 104,367,000 | 99,954,000 | 105,238,000 |
| Equity capital | 92,603,000 | 93,968,000 | 94,734,000 | 95,025,000 |
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 | 7,697,000 | 15,347,000 | 22,854,000 | 30,188,000 |
| Interest expense | 756,000 | 1,550,000 | 2,346,000 | 3,135,000 |
| Net interest income | 6,941,000 | 13,797,000 | 20,508,000 | 27,053,000 |
| Noninterest income | 2,249,000 | 3,090,000 | 5,393,000 | 7,488,000 |
| Noninterest expense | 7,357,000 | 14,775,000 | 21,968,000 | 29,081,000 |
| Provision for loan losses | 122,000 | 242,000 | 270,000 | 282,000 |
| Pretax income | 1,711,000 | 2,043,000 | 3,970,000 | 5,695,000 |
| Income tax | 316,000 | 403,000 | 657,000 | 893,000 |
| Net income | 1,395,000 | 1,640,000 | 3,313,000 | 4,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,936,000 | 83,148,000 | 85,066,000 | 85,164,000 |
| Total capital | 90,125,000 | 90,661,000 | 92,761,000 | 92,620,000 |
| Risk-weighted assets | 654,025,000 | 648,761,000 | 635,282,000 | 668,810,000 |