Call reports 2001
CITIZENS BANK OF MASSACHUSETTS — 2001
What CITIZENS BANK OF MASSACHUSETTS 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 | 16,562,683,000 | 16,808,032,000 | 17,388,218,000 | 18,324,899,000 |
| Total loans | 10,478,155,000 | 10,502,512,000 | 10,382,701,000 | 10,333,428,000 |
| Allowance for loan losses | 183,678,000 | 189,751,000 | 194,391,000 | 208,892,000 |
| Securities available for sale | 3,080,606,000 | 3,976,940,000 | 4,526,011,000 | 5,738,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,706,042,000 | 11,809,419,000 | 11,843,599,000 | 12,726,580,000 |
| Interest-bearing deposits | 10,706,371,000 | 10,884,084,000 | 9,608,307,000 | 10,199,647,000 |
| Noninterest-bearing deposits | 999,671,000 | 925,335,000 | 2,235,292,000 | 2,526,933,000 |
| Equity capital | 2,510,328,000 | 2,554,333,000 | 2,608,673,000 | 2,492,698,000 |
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 | 269,845,000 | 535,532,000 | 792,398,000 | 1,037,608,000 |
| Interest expense | 116,323,000 | 221,752,000 | 317,197,000 | 401,256,000 |
| Net interest income | 153,522,000 | 313,780,000 | 475,201,000 | 636,352,000 |
| Noninterest income | 41,479,000 | 102,643,000 | 159,199,000 | 214,831,000 |
| Noninterest expense | 115,507,000 | 231,796,000 | 352,143,000 | 479,309,000 |
| Provision for loan losses | 34,772,000 | 47,786,000 | 61,553,000 | 89,946,000 |
| Pretax income | 49,650,000 | 142,500,000 | 230,449,000 | 292,080,000 |
| Income tax | 21,203,000 | 58,460,000 | 93,998,000 | 117,537,000 |
| Net income | 28,583,000 | 84,085,000 | 136,588,000 | 174,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 947,873,000 | 1,023,515,000 | 1,035,118,000 | 977,855,000 |
| Total capital | 1,414,966,000 | 1,493,582,000 | 1,508,966,000 | 1,437,333,000 |
| Risk-weighted assets | 13,350,303,000 | 13,585,666,000 | 13,887,266,000 | 12,708,847,000 |