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 | 15,822,000 | 16,344,000 | 16,466,000 | 16,474,000 |
| Total loans | 10,790,000 | 10,812,000 | 10,700,000 | 10,801,000 |
| Allowance for loan losses | 179,000 | 154,000 | 147,000 | 176,000 |
| Securities available for sale | 3,245,000 | 3,448,000 | 4,063,000 | 3,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,065,000 | 13,552,000 | 13,546,000 | 13,552,000 |
| Interest-bearing deposits | 10,794,000 | 11,172,000 | 11,020,000 | 10,742,000 |
| Noninterest-bearing deposits | 2,271,000 | 2,380,000 | 2,526,000 | 2,810,000 |
| Equity capital | 2,060,000 | 2,114,000 | 2,203,000 | 2,227,000 |
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 | 334,000 | 679,000 | 1,022,000 | 1,347,000 |
| Interest expense | 129,000 | 254,000 | 372,000 | 473,000 |
| Net interest income | 205,000 | 425,000 | 650,000 | 874,000 |
| Noninterest income | 44,000 | 89,000 | 135,000 | 181,000 |
| Noninterest expense | 185,000 | 348,000 | 526,000 | 707,000 |
| Provision for loan losses | 10,000 | 20,000 | 29,000 | 36,000 |
| Pretax income | 64,000 | 165,000 | 248,000 | 331,000 |
| Income tax | 22,000 | 55,000 | 81,000 | 117,000 |
| Net income | 42,000 | 110,000 | 167,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,047,000 | 2,114,000 | 2,172,000 | 2,219,000 |
| Total capital | 2,184,000 | 2,253,000 | 2,310,000 | 2,358,000 |
| Risk-weighted assets | 10,698,000 | 11,087,000 | 11,068,000 | 11,090,000 |