Call reports 2001
CITIZENS BANK, NATIONAL ASSOCIATION — 2001
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 39,155,000 | 40,590,000 | 41,669,000 | 43,931,000 |
| Total loans | 22,763,000 | 24,629,000 | 25,554,000 | 29,538,000 |
| Allowance for loan losses | 356,000 | 353,000 | 353,000 | 351,000 |
| Securities available for sale | 9,634,000 | 9,137,000 | 7,224,000 | 9,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,158,000 | 34,713,000 | 35,645,000 | 36,041,000 |
| Interest-bearing deposits | 26,413,000 | 26,486,000 | 27,896,000 | 28,213,000 |
| Noninterest-bearing deposits | 6,745,000 | 8,228,000 | 7,749,000 | 7,828,000 |
| Equity capital | 5,619,000 | 5,621,000 | 5,679,000 | 5,632,000 |
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 | 689,000 | 1,377,000 | 2,040,000 | 2,663,000 |
| Interest expense | 331,000 | 646,000 | 940,000 | 1,191,000 |
| Net interest income | 358,000 | 731,000 | 1,100,000 | 1,472,000 |
| Noninterest income | 102,000 | 213,000 | 360,000 | 538,000 |
| Noninterest expense | 343,000 | 708,000 | 1,125,000 | 1,519,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 236,000 | 333,000 | 489,000 |
| Income tax | 48,000 | 95,000 | 134,000 | 199,000 |
| Net income | 69,000 | 141,000 | 199,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,653,000 | 3,678,000 | 3,699,000 | 3,718,000 |
| Total capital | 3,968,000 | 4,013,000 | 4,043,000 | 4,069,000 |
| Risk-weighted assets | 25,193,000 | 26,764,000 | 27,527,000 | 31,633,000 |