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 | 26,353,000 | 26,043,000 | 26,017,000 | 27,180,000 |
| Total loans | 15,795,000 | 15,870,000 | 15,096,000 | 14,972,000 |
| Allowance for loan losses | 366,000 | 369,000 | 323,000 | 252,000 |
| Securities available for sale | 4,288,000 | 3,528,000 | 3,580,000 | 3,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,400,000 | 23,042,000 | 22,866,000 | 24,445,000 |
| Interest-bearing deposits | 19,596,000 | 19,447,000 | 19,201,000 | 19,730,000 |
| Noninterest-bearing deposits | 3,804,000 | 3,595,000 | 3,665,000 | 4,715,000 |
| Equity capital | 2,798,000 | 2,895,000 | 3,010,000 | 2,676,000 |
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 | 354,000 | 853,000 | 1,278,000 | 1,653,000 |
| Interest expense | 148,000 | 353,000 | 531,000 | 667,000 |
| Net interest income | 206,000 | 500,000 | 747,000 | 986,000 |
| Noninterest income | 32,000 | 81,000 | 125,000 | 171,000 |
| Noninterest expense | 127,000 | 301,000 | 478,000 | 692,000 |
| Provision for loan losses | -60,000 | -60,000 | -115,000 | -125,000 |
| Pretax income | 171,000 | 340,000 | 509,000 | 592,000 |
| Income tax | 38,000 | 104,000 | 161,000 | 190,000 |
| Net income | 133,000 | 236,000 | 348,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,778,000 | 2,880,000 | 2,992,000 | 2,656,000 |
| Total capital | 2,983,000 | 3,089,000 | 3,194,000 | 2,864,000 |
| Risk-weighted assets | 16,274,000 | 16,567,000 | 16,023,000 | 16,629,000 |