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 | 35,884,000 | 36,642,000 | 39,955,000 | 40,276,000 |
| Total loans | 22,113,000 | 22,795,000 | 23,731,000 | 24,524,000 |
| Allowance for loan losses | 426,000 | 388,000 | 473,000 | 327,000 |
| Securities available for sale | 8,712,000 | 9,056,000 | 9,108,000 | 9,991,000 |
| Securities held to maturity | 857,000 | 857,000 | 857,000 | 857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,466,000 | 32,318,000 | 35,379,000 | 35,735,000 |
| Interest-bearing deposits | 28,772,000 | 29,183,000 | 32,325,000 | 32,878,000 |
| Noninterest-bearing deposits | 2,694,000 | 3,135,000 | 3,054,000 | 2,857,000 |
| Equity capital | 3,916,000 | 3,927,000 | 4,064,000 | 4,108,000 |
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 | 783,000 | 1,519,000 | 2,319,000 | 3,070,000 |
| Interest expense | 447,000 | 881,000 | 1,313,000 | 1,690,000 |
| Net interest income | 336,000 | 638,000 | 1,006,000 | 1,380,000 |
| Noninterest income | 98,000 | 199,000 | 297,000 | 403,000 |
| Noninterest expense | 287,000 | 631,000 | 948,000 | 1,334,000 |
| Provision for loan losses | 40,000 | 85,000 | 190,000 | 215,000 |
| Pretax income | 106,000 | 120,000 | 186,000 | 274,000 |
| Income tax | 35,000 | 60,000 | 85,000 | 55,000 |
| Net income | 71,000 | 60,000 | 101,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,873,000 | 3,862,000 | 3,902,000 | 4,020,000 |
| Total capital | 4,188,000 | 4,189,000 | 4,242,000 | 4,347,000 |
| Risk-weighted assets | 25,057,000 | 26,101,000 | 27,211,000 | 28,225,000 |
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