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 | 106,793,000 | 108,658,000 | 109,319,000 | 114,010,000 |
| Total loans | 81,697,000 | 85,127,000 | 87,790,000 | 90,841,000 |
| Allowance for loan losses | 1,053,000 | 1,075,000 | 1,176,000 | 1,188,000 |
| Securities available for sale | 3,940,000 | 1,420,000 | 5,502,000 | 8,484,000 |
| Securities held to maturity | 5,708,000 | 9,410,000 | 8,990,000 | 6,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,324,000 | 91,126,000 | 92,792,000 | 96,101,000 |
| Interest-bearing deposits | 79,974,000 | 82,190,000 | 83,922,000 | 86,597,000 |
| Noninterest-bearing deposits | 9,350,000 | 8,936,000 | 8,870,000 | 9,504,000 |
| Equity capital | 10,495,000 | 10,674,000 | 11,089,000 | 10,884,000 |
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 | 2,309,000 | 4,652,000 | 6,978,000 | 9,343,000 |
| Interest expense | 1,181,000 | 2,365,000 | 3,531,000 | 4,643,000 |
| Net interest income | 1,128,000 | 2,287,000 | 3,447,000 | 4,700,000 |
| Noninterest income | 327,000 | 538,000 | 804,000 | 1,047,000 |
| Noninterest expense | 817,000 | 1,589,000 | 2,415,000 | 3,278,000 |
| Provision for loan losses | 90,000 | 440,000 | 530,000 | 620,000 |
| Pretax income | 537,000 | 785,000 | 1,295,000 | 1,871,000 |
| Income tax | 166,000 | 233,000 | 392,000 | 568,000 |
| Net income | 371,000 | 552,000 | 903,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,486,000 | 10,671,000 | 11,022,000 | 10,949,000 |
| Total capital | 11,411,000 | 11,632,000 | 12,000,000 | 11,965,000 |
| Risk-weighted assets | 73,863,000 | 76,728,000 | 78,057,000 | 81,121,000 |