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 | 51,651,000 | 52,116,000 | 52,007,000 | 54,856,000 |
| Total loans | 22,888,000 | 23,217,000 | 23,764,000 | 24,177,000 |
| Allowance for loan losses | 175,000 | 174,000 | 171,000 | 171,000 |
| Securities available for sale | 6,066,000 | 6,079,000 | 4,078,000 | 5,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,912,000 | 45,243,000 | 45,182,000 | 48,278,000 |
| Interest-bearing deposits | 38,596,000 | 36,109,000 | 38,618,000 | 40,726,000 |
| Noninterest-bearing deposits | 6,316,000 | 9,134,000 | 6,564,000 | 7,552,000 |
| Equity capital | 6,454,000 | 6,488,000 | 6,467,000 | 6,341,000 |
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 | 960,000 | 1,832,000 | 2,630,000 | 3,331,000 |
| Interest expense | 482,000 | 899,000 | 1,249,000 | 1,539,000 |
| Net interest income | 478,000 | 933,000 | 1,381,000 | 1,792,000 |
| Noninterest income | 44,000 | 87,000 | 131,000 | 206,000 |
| Noninterest expense | 329,000 | 584,000 | 900,000 | 1,242,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 193,000 | 436,000 | 612,000 | 756,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 436,000 | 612,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,387,000 | 6,430,000 | 6,406,000 | 6,300,000 |
| Total capital | 6,562,000 | 6,604,000 | 6,577,000 | 6,471,000 |
| Risk-weighted assets | 27,413,000 | 28,035,000 | 28,936,000 | 29,312,000 |