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 | 400,582,000 | 404,026,000 | 408,867,000 | 408,261,000 |
| Total loans | 248,406,000 | 246,210,000 | 237,798,000 | 234,984,000 |
| Allowance for loan losses | 2,205,000 | 2,242,000 | 2,619,000 | 2,527,000 |
| Securities available for sale | 43,503,000 | 43,964,000 | 42,374,000 | 44,856,000 |
| Securities held to maturity | 79,761,000 | 92,104,000 | 99,084,000 | 103,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,287,000 | 320,164,000 | 322,880,000 | 321,005,000 |
| Interest-bearing deposits | 292,754,000 | 294,326,000 | 298,654,000 | 295,082,000 |
| Noninterest-bearing deposits | 25,533,000 | 25,838,000 | 24,226,000 | 25,923,000 |
| Equity capital | 77,755,000 | 79,996,000 | 82,144,000 | 83,929,000 |
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 | 7,897,000 | 15,645,000 | 23,075,000 | 30,163,000 |
| Interest expense | 3,846,000 | 7,548,000 | 11,023,000 | 13,943,000 |
| Net interest income | 4,051,000 | 8,097,000 | 12,052,000 | 16,220,000 |
| Noninterest income | 731,000 | 1,463,000 | 2,092,000 | 2,863,000 |
| Noninterest expense | 1,433,000 | 2,758,000 | 4,071,000 | 5,823,000 |
| Provision for loan losses | 180,000 | 435,000 | 1,330,000 | 1,605,000 |
| Pretax income | 3,194,000 | 6,313,000 | 8,700,000 | 11,612,000 |
| Income tax | 958,000 | 1,837,000 | 2,274,000 | 3,042,000 |
| Net income | 2,236,000 | 4,476,000 | 6,426,000 | 8,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,624,000 | 78,874,000 | 80,836,000 | 82,958,000 |
| Total capital | 78,829,000 | 81,116,000 | 83,455,000 | 85,485,000 |
| Risk-weighted assets | 265,595,000 | 268,539,000 | 266,708,000 | 266,103,000 |