Call reports 2001
CITIZENS BANK AND TRUST COMPANY — 2001
What CITIZENS BANK AND TRUST COMPANY 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 | 263,025,000 | 268,599,000 | 269,810,000 | 271,811,000 |
| Total loans | 194,948,000 | 195,201,000 | 195,859,000 | 195,122,000 |
| Allowance for loan losses | 2,244,000 | 2,335,000 | 3,281,000 | 3,005,000 |
| Securities available for sale | 141,000 | 149,000 | 140,000 | 62,000 |
| Securities held to maturity | 27,188,000 | 35,686,000 | 38,054,000 | 40,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,641,000 | 236,137,000 | 238,782,000 | 240,235,000 |
| Interest-bearing deposits | 205,607,000 | 210,477,000 | 211,918,000 | 211,238,000 |
| Noninterest-bearing deposits | 25,034,000 | 25,660,000 | 26,864,000 | 28,997,000 |
| Equity capital | 28,508,000 | 28,601,000 | 28,750,000 | 29,180,000 |
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 | 4,711,000 | 9,450,000 | 14,225,000 | 18,496,000 |
| Interest expense | 2,571,000 | 5,228,000 | 7,785,000 | 10,026,000 |
| Net interest income | 2,140,000 | 4,222,000 | 6,440,000 | 8,470,000 |
| Noninterest income | 175,000 | 365,000 | 614,000 | 819,000 |
| Noninterest expense | 1,257,000 | 2,537,000 | 3,781,000 | 4,744,000 |
| Provision for loan losses | 150,000 | 300,000 | 1,318,000 | 1,318,000 |
| Pretax income | 908,000 | 1,750,000 | 1,955,000 | 3,294,000 |
| Income tax | 300,000 | 579,000 | 637,000 | 1,076,000 |
| Net income | 608,000 | 1,171,000 | 1,318,000 | 2,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,504,000 | 28,592,000 | 28,658,000 | 29,180,000 |
| Total capital | 30,668,000 | 30,755,000 | 30,827,000 | 31,340,000 |
| Risk-weighted assets | 173,072,000 | 172,831,000 | 172,395,000 | 172,268,000 |
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