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 | 707,566,000 | 725,641,000 | 730,591,000 | 732,879,000 |
| Total loans | 196,740,000 | 200,702,000 | 207,514,000 | 213,649,000 |
| Allowance for loan losses | 3,462,000 | 3,457,000 | 3,493,000 | 3,606,000 |
| Securities available for sale | 363,386,000 | 286,940,000 | 256,999,000 | 253,914,000 |
| Securities held to maturity | 87,695,000 | 181,391,000 | 197,518,000 | 204,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,853,000 | 579,114,000 | 579,886,000 | 580,558,000 |
| Interest-bearing deposits | 406,973,000 | 415,147,000 | 403,180,000 | 415,093,000 |
| Noninterest-bearing deposits | 162,880,000 | 163,967,000 | 176,706,000 | 165,465,000 |
| Equity capital | 58,880,000 | 64,578,000 | 65,170,000 | 67,414,000 |
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 | 5,466,000 | 11,315,000 | 17,031,000 | 22,930,000 |
| Interest expense | 605,000 | 1,198,000 | 1,801,000 | 2,443,000 |
| Net interest income | 4,861,000 | 10,117,000 | 15,230,000 | 20,487,000 |
| Noninterest income | 1,370,000 | 2,728,000 | 4,155,000 | 5,533,000 |
| Noninterest expense | 3,516,000 | 7,141,000 | 10,765,000 | 14,401,000 |
| Provision for loan losses | 99,000 | 110,000 | 191,000 | 335,000 |
| Pretax income | 2,616,000 | 5,687,000 | 8,768,000 | 11,693,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,616,000 | 5,687,000 | 8,768,000 | 11,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,637,000 | 64,814,000 | 65,893,000 | 66,838,000 |
| Total capital | 67,135,000 | 68,338,000 | 69,514,000 | 70,514,000 |
| Risk-weighted assets | 279,598,000 | 281,619,000 | 289,511,000 | 293,893,000 |