Call reports 2001
CITIZENS BANK & TRUST COMPANY — 2001
What CITIZENS BANK & TRUST COMPANY 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 | 79,610,000 | 82,682,000 | 84,555,000 | 82,074,000 |
| Total loans | 29,445,000 | 29,886,000 | 29,481,000 | 28,905,000 |
| Allowance for loan losses | 446,000 | 467,000 | 471,000 | 445,000 |
| Securities available for sale | 29,461,000 | 27,299,000 | 25,320,000 | 23,519,000 |
| Securities held to maturity | 6,749,000 | 12,536,000 | 20,198,000 | 20,637,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,772,000 | 60,721,000 | 63,117,000 | 61,413,000 |
| Interest-bearing deposits | 49,449,000 | 50,599,000 | 52,159,000 | 49,956,000 |
| Noninterest-bearing deposits | 9,323,000 | 10,122,000 | 10,958,000 | 11,457,000 |
| Equity capital | 7,315,000 | 7,524,000 | 7,789,000 | 7,986,000 |
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 | 1,401,000 | 2,735,000 | 4,114,000 | 5,417,000 |
| Interest expense | 747,000 | 1,483,000 | 2,211,000 | 2,820,000 |
| Net interest income | 654,000 | 1,252,000 | 1,903,000 | 2,597,000 |
| Noninterest income | 212,000 | 432,000 | 646,000 | 894,000 |
| Noninterest expense | 671,000 | 1,301,000 | 1,988,000 | 2,667,000 |
| Provision for loan losses | 18,000 | 42,000 | 54,000 | 54,000 |
| Pretax income | 177,000 | 341,000 | 507,000 | 770,000 |
| Income tax | 35,000 | 72,000 | 102,000 | 91,000 |
| Net income | 142,000 | 269,000 | 405,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,092,000 | 7,218,000 | 7,355,000 | 7,629,000 |
| Total capital | 7,538,000 | 7,685,000 | 7,826,000 | 8,074,000 |
| Risk-weighted assets | 38,057,000 | 41,783,000 | 41,887,000 | 41,993,000 |