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 | 117,580,000 | 118,435,000 | 118,202,000 | 118,349,000 |
| Total loans | 86,008,000 | 91,396,000 | 93,523,000 | 97,270,000 |
| Allowance for loan losses | 942,000 | 970,000 | 984,000 | 996,000 |
| Securities available for sale | 13,363,000 | 14,286,000 | 13,341,000 | 13,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,794,000 | 95,557,000 | 98,247,000 | 98,828,000 |
| Interest-bearing deposits | 83,534,000 | 83,983,000 | 86,580,000 | 85,104,000 |
| Noninterest-bearing deposits | 11,260,000 | 11,574,000 | 11,667,000 | 13,724,000 |
| Equity capital | 8,686,000 | 8,880,000 | 9,140,000 | 9,204,000 |
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 | 2,252,000 | 4,590,000 | 6,894,000 | 9,068,000 |
| Interest expense | 1,281,000 | 2,596,000 | 3,845,000 | 4,827,000 |
| Net interest income | 971,000 | 1,994,000 | 3,049,000 | 4,241,000 |
| Noninterest income | 172,000 | 365,000 | 521,000 | 749,000 |
| Noninterest expense | 830,000 | 1,692,000 | 2,568,000 | 3,598,000 |
| Provision for loan losses | 30,000 | 60,000 | 85,000 | 108,000 |
| Pretax income | 283,000 | 607,000 | 917,000 | 1,284,000 |
| Income tax | 88,000 | 192,000 | 291,000 | 406,000 |
| Net income | 195,000 | 415,000 | 626,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,635,000 | 8,762,000 | 8,972,000 | 9,132,000 |
| Total capital | 9,577,000 | 9,732,000 | 9,956,000 | 10,128,000 |
| Risk-weighted assets | 77,391,000 | 81,138,000 | 82,496,000 | 85,556,000 |