Call reports 2001
CITIZENS BANK AND TRUST COMPANY — 2001
What CITIZENS BANK AND TRUST COMPANY 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 | 101,894,000 | 104,998,000 | 102,073,000 | 104,660,000 |
| Total loans | 54,791,000 | 60,319,000 | 65,375,000 | 59,061,000 |
| Allowance for loan losses | 659,000 | 565,000 | 569,000 | 783,000 |
| Securities available for sale | 1,005,000 | 1,012,000 | 0 | 501,000 |
| Securities held to maturity | 28,374,000 | 30,654,000 | 26,867,000 | 28,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,864,000 | 88,636,000 | 82,142,000 | 88,414,000 |
| Interest-bearing deposits | 69,371,000 | 73,126,000 | 67,346,000 | 70,925,000 |
| Noninterest-bearing deposits | 16,493,000 | 15,510,000 | 14,796,000 | 17,489,000 |
| Equity capital | 14,540,000 | 14,970,000 | 15,379,000 | 14,959,000 |
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 | 1,876,000 | 3,712,000 | 5,579,000 | 7,294,000 |
| Interest expense | 780,000 | 1,475,000 | 2,106,000 | 2,627,000 |
| Net interest income | 1,096,000 | 2,237,000 | 3,473,000 | 4,667,000 |
| Noninterest income | 268,000 | 570,000 | 870,000 | 1,323,000 |
| Noninterest expense | 801,000 | 1,621,000 | 2,481,000 | 3,334,000 |
| Provision for loan losses | 46,000 | 106,000 | 189,000 | 457,000 |
| Pretax income | 549,000 | 1,119,000 | 1,717,000 | 2,245,000 |
| Income tax | 155,000 | 299,000 | 480,000 | 678,000 |
| Net income | 394,000 | 820,000 | 1,237,000 | 1,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,537,000 | 14,962,000 | 15,379,000 | 14,959,000 |
| Total capital | 15,196,000 | 15,527,000 | 15,948,000 | 15,742,000 |
| Risk-weighted assets | 64,544,000 | 69,099,000 | 72,775,000 | 68,609,000 |
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