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 | 307,682,000 | 315,102,000 | 327,446,000 | 360,157,000 |
| Total loans | 214,211,000 | 215,838,000 | 221,843,000 | 223,303,000 |
| Allowance for loan losses | 2,694,000 | 2,690,000 | 2,737,000 | 2,792,000 |
| Securities available for sale | 1,470,000 | 454,000 | 159,000 | 447,000 |
| Securities held to maturity | 61,990,000 | 66,962,000 | 73,209,000 | 78,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,534,000 | 270,100,000 | 281,336,000 | 313,080,000 |
| Interest-bearing deposits | 233,905,000 | 235,903,000 | 247,584,000 | 278,807,000 |
| Noninterest-bearing deposits | 29,629,000 | 34,197,000 | 33,752,000 | 34,273,000 |
| Equity capital | 31,200,000 | 32,053,000 | 32,862,000 | 33,830,000 |
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 | 5,634,000 | 11,282,000 | 16,892,000 | 22,357,000 |
| Interest expense | 3,190,000 | 6,137,000 | 8,939,000 | 11,404,000 |
| Net interest income | 2,444,000 | 5,145,000 | 7,953,000 | 10,953,000 |
| Noninterest income | 485,000 | 974,000 | 1,472,000 | 2,094,000 |
| Noninterest expense | 2,046,000 | 4,058,000 | 6,083,000 | 8,293,000 |
| Provision for loan losses | 15,000 | 65,000 | 120,000 | 235,000 |
| Pretax income | 868,000 | 1,996,000 | 3,222,000 | 4,519,000 |
| Income tax | 171,000 | 446,000 | 753,000 | 1,082,000 |
| Net income | 697,000 | 1,550,000 | 2,469,000 | 3,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,071,000 | 31,927,000 | 32,739,000 | 33,710,000 |
| Total capital | 33,765,000 | 34,617,000 | 35,476,000 | 36,502,000 |
| Risk-weighted assets | 224,670,000 | 231,288,000 | 244,198,000 | 255,546,000 |
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