Call reports 2001
CITIZENS BANK — 2001
What CITIZENS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 241,284,000 | 243,876,000 | 247,989,000 | 248,374,000 |
| Total loans | 103,953,000 | 104,998,000 | 106,214,000 | 115,757,000 |
| Allowance for loan losses | 763,000 | 714,000 | 745,000 | 766,000 |
| Securities available for sale | 42,230,000 | 37,142,000 | 31,902,000 | 31,697,000 |
| Securities held to maturity | 48,068,000 | 47,722,000 | 41,955,000 | 40,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,071,000 | 215,499,000 | 218,905,000 | 219,344,000 |
| Interest-bearing deposits | 172,789,000 | 173,322,000 | 178,454,000 | 177,954,000 |
| Noninterest-bearing deposits | 40,282,000 | 42,177,000 | 40,451,000 | 41,390,000 |
| Equity capital | 26,326,000 | 26,622,000 | 27,218,000 | 27,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,556,000 | 8,972,000 | 13,253,000 | 17,206,000 |
| Interest expense | 1,985,000 | 3,852,000 | 5,633,000 | 7,087,000 |
| Net interest income | 2,571,000 | 5,120,000 | 7,620,000 | 10,119,000 |
| Noninterest income | 415,000 | 802,000 | 1,158,000 | 1,605,000 |
| Noninterest expense | 1,914,000 | 3,914,000 | 5,838,000 | 7,919,000 |
| Provision for loan losses | 130,000 | 160,000 | 290,000 | 465,000 |
| Pretax income | 942,000 | 1,848,000 | 2,650,000 | 3,340,000 |
| Income tax | 316,000 | 654,000 | 929,000 | 1,134,000 |
| Net income | 626,000 | 1,194,000 | 1,721,000 | 2,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,728,000 | 26,171,000 | 26,549,000 | 27,033,000 |
| Total capital | 26,491,000 | 26,885,000 | 27,294,000 | 27,799,000 |
| Risk-weighted assets | 113,169,000 | 116,471,000 | 120,096,000 | 126,691,000 |
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