Call reports 2001
CITIZENS TRUST BANK — 2001
What CITIZENS TRUST 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 | 268,821,000 | 254,231,000 | 250,557,000 | 293,014,000 |
| Total loans | 162,484,000 | 162,348,000 | 159,092,000 | 158,298,000 |
| Allowance for loan losses | 2,205,000 | 2,202,000 | 1,882,000 | 2,003,000 |
| Securities available for sale | 49,284,000 | 49,099,000 | 50,003,000 | 61,579,000 |
| Securities held to maturity | 2,977,000 | 2,977,000 | 2,676,000 | 2,676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,657,000 | 218,894,000 | 216,010,000 | 258,341,000 |
| Interest-bearing deposits | 179,325,000 | 134,679,000 | 138,937,000 | 177,512,000 |
| Noninterest-bearing deposits | 54,332,000 | 84,215,000 | 77,073,000 | 80,829,000 |
| Equity capital | 21,586,000 | 21,742,000 | 21,822,000 | 21,957,000 |
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 | 4,934,000 | 9,742,000 | 14,246,000 | 18,526,000 |
| Interest expense | 2,036,000 | 3,975,000 | 5,723,000 | 7,378,000 |
| Net interest income | 2,898,000 | 5,767,000 | 8,523,000 | 11,148,000 |
| Noninterest income | 1,444,000 | 2,993,000 | 4,231,000 | 6,174,000 |
| Noninterest expense | 3,349,000 | 6,673,000 | 10,653,000 | 14,012,000 |
| Provision for loan losses | 120,000 | 1,060,000 | 1,730,000 | 1,810,000 |
| Pretax income | 1,193,000 | 1,951,000 | 1,349,000 | 2,551,000 |
| Income tax | 342,000 | 539,000 | 271,000 | 508,000 |
| Net income | 851,000 | 1,412,000 | 1,078,000 | 2,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,914,000 | 21,475,000 | 21,141,000 | 22,106,000 |
| Total capital | 22,852,000 | 23,605,000 | 23,062,000 | 24,149,000 |
| Risk-weighted assets | 131,201,000 | 166,293,000 | 161,466,000 | 169,874,000 |