Call reports 2001
CITIZENS BANK OF CLOVIS, THE — 2001
What CITIZENS BANK OF CLOVIS, 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 | 155,370,000 | 157,347,000 | 161,489,000 | 164,878,000 |
| Total loans | 88,530,000 | 86,256,000 | 88,528,000 | 93,235,000 |
| Allowance for loan losses | 1,441,000 | 950,000 | 1,001,000 | 1,000,000 |
| Securities available for sale | 56,884,000 | 52,732,000 | 61,161,000 | 60,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,448,000 | 132,640,000 | 131,971,000 | 135,975,000 |
| Interest-bearing deposits | 105,182,000 | 104,771,000 | 109,295,000 | 110,065,000 |
| Noninterest-bearing deposits | 23,266,000 | 27,869,000 | 22,676,000 | 25,910,000 |
| Equity capital | 17,062,000 | 16,848,000 | 17,921,000 | 17,417,000 |
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 | 2,986,000 | 5,919,000 | 8,735,000 | 11,478,000 |
| Interest expense | 1,254,000 | 2,508,000 | 3,685,000 | 4,694,000 |
| Net interest income | 1,732,000 | 3,411,000 | 5,050,000 | 6,784,000 |
| Noninterest income | 297,000 | 621,000 | 937,000 | 1,112,000 |
| Noninterest expense | 1,076,000 | 2,238,000 | 3,301,000 | 4,372,000 |
| Provision for loan losses | 75,000 | 996,000 | 1,071,000 | 1,064,000 |
| Pretax income | 876,000 | 803,000 | 1,663,000 | 2,747,000 |
| Income tax | 300,000 | 300,000 | 530,000 | 958,000 |
| Net income | 576,000 | 503,000 | 1,133,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,852,000 | 16,779,000 | 17,409,000 | 17,765,000 |
| Total capital | 17,966,000 | 17,729,000 | 18,410,000 | 18,765,000 |
| Risk-weighted assets | 89,215,000 | 90,798,000 | 92,691,000 | 100,523,000 |