Call reports 2001
CITIZENS BANK, THE — 2001
What CITIZENS BANK, THE 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 | 98,390,000 | 99,202,000 | 101,146,000 | 107,876,000 |
| Total loans | 38,052,000 | 38,918,000 | 38,897,000 | 38,134,000 |
| Allowance for loan losses | 763,000 | 776,000 | 621,000 | 598,000 |
| Securities available for sale | 7,516,000 | 7,515,000 | 5,042,000 | 8,398,000 |
| Securities held to maturity | 44,281,000 | 47,011,000 | 40,844,000 | 48,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,189,000 | 83,861,000 | 85,497,000 | 92,036,000 |
| Interest-bearing deposits | 73,877,000 | 75,614,000 | 78,764,000 | 85,251,000 |
| Noninterest-bearing deposits | 9,312,000 | 8,247,000 | 6,733,000 | 6,785,000 |
| Equity capital | 14,654,000 | 14,908,000 | 15,281,000 | 15,166,000 |
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 | 1,759,000 | 3,527,000 | 5,238,000 | 6,862,000 |
| Interest expense | 1,045,000 | 2,084,000 | 3,092,000 | 3,992,000 |
| Net interest income | 714,000 | 1,443,000 | 2,146,000 | 2,870,000 |
| Noninterest income | 114,000 | 222,000 | 334,000 | 455,000 |
| Noninterest expense | 320,000 | 681,000 | 1,033,000 | 1,477,000 |
| Provision for loan losses | 30,000 | 70,000 | 90,000 | 130,000 |
| Pretax income | 478,000 | 914,000 | 1,357,000 | 1,718,000 |
| Income tax | 126,000 | 257,000 | 357,000 | 461,000 |
| Net income | 352,000 | 657,000 | 1,000,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,673,000 | 14,923,000 | 15,266,000 | 15,235,000 |
| Total capital | 15,224,000 | 15,487,000 | 15,837,000 | 15,824,000 |
| Risk-weighted assets | 43,855,000 | 44,899,000 | 45,612,000 | 47,071,000 |