Call reports 2001
CITIZENS BANK & TRUST CO. — 2001
What CITIZENS BANK & TRUST CO. 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 | 78,378,000 | 77,051,000 | 78,960,000 | 80,263,000 |
| Total loans | 65,879,000 | 66,557,000 | 69,220,000 | 65,853,000 |
| Allowance for loan losses | 388,000 | 370,000 | 445,000 | 475,000 |
| Securities available for sale | 4,268,000 | 3,266,000 | 3,266,000 | 2,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,790,000 | 65,981,000 | 67,042,000 | 68,286,000 |
| Interest-bearing deposits | 62,346,000 | 60,585,000 | 61,803,000 | 61,768,000 |
| Noninterest-bearing deposits | 5,444,000 | 5,396,000 | 5,239,000 | 6,518,000 |
| Equity capital | 5,831,000 | 5,868,000 | 5,884,000 | 5,887,000 |
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 | 1,600,000 | 3,085,000 | 4,562,000 | 5,941,000 |
| Interest expense | 917,000 | 1,787,000 | 2,632,000 | 3,426,000 |
| Net interest income | 683,000 | 1,298,000 | 1,930,000 | 2,515,000 |
| Noninterest income | 79,000 | 184,000 | 291,000 | 411,000 |
| Noninterest expense | 485,000 | 972,000 | 1,436,000 | 1,918,000 |
| Provision for loan losses | 11,000 | 21,000 | 98,000 | 132,000 |
| Pretax income | 266,000 | 489,000 | 687,000 | 876,000 |
| Income tax | 95,000 | 173,000 | 243,000 | 306,000 |
| Net income | 171,000 | 316,000 | 444,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,782,000 | 5,821,000 | 5,839,000 | 5,860,000 |
| Total capital | 6,170,000 | 6,191,000 | 6,284,000 | 6,335,000 |
| Risk-weighted assets | 61,169,000 | 61,093,000 | 62,317,000 | 51,704,000 |