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 | 92,045,000 | 91,501,000 | 96,972,000 | 93,639,000 |
| Total loans | 65,389,000 | 65,329,000 | 66,296,000 | 68,183,000 |
| Allowance for loan losses | 785,000 | 782,000 | 789,000 | 808,000 |
| Securities available for sale | 21,350,000 | 20,991,000 | 20,270,000 | 20,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,446,000 | 82,039,000 | 87,451,000 | 76,882,000 |
| Interest-bearing deposits | 72,317,000 | 70,592,000 | 76,897,000 | 65,852,000 |
| Noninterest-bearing deposits | 11,129,000 | 11,447,000 | 10,554,000 | 11,030,000 |
| Equity capital | 7,124,000 | 7,318,000 | 7,708,000 | 8,027,000 |
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 | 2,102,000 | 4,039,000 | 5,928,000 | 7,752,000 |
| Interest expense | 813,000 | 1,566,000 | 2,302,000 | 2,847,000 |
| Net interest income | 1,289,000 | 2,473,000 | 3,626,000 | 4,905,000 |
| Noninterest income | 302,000 | 604,000 | 895,000 | 1,212,000 |
| Noninterest expense | 578,000 | 1,161,000 | 1,761,000 | 2,177,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 215,000 |
| Pretax income | 972,000 | 1,830,000 | 2,629,000 | 3,751,000 |
| Income tax | 360,000 | 674,000 | 966,000 | 1,385,000 |
| Net income | 612,000 | 1,156,000 | 1,663,000 | 2,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,942,000 | 7,102,000 | 7,215,000 | 7,706,000 |
| Total capital | 7,727,000 | 7,884,000 | 8,004,000 | 8,514,000 |
| Risk-weighted assets | 66,619,000 | 66,541,000 | 68,287,000 | 69,863,000 |
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