Call reports 2001
CITIZENS' BANK, INC. — 2001
What CITIZENS' BANK, INC. 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 | 78,821,000 | 77,744,000 | 77,772,000 | 81,916,000 |
| Total loans | 42,331,000 | 41,566,000 | 40,175,000 | 39,939,000 |
| Allowance for loan losses | 527,000 | 415,000 | 436,000 | 402,000 |
| Securities available for sale | 22,150,000 | 20,325,000 | 22,155,000 | 23,632,000 |
| Securities held to maturity | 5,350,000 | 5,291,000 | 5,041,000 | 4,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,318,000 | 52,348,000 | 51,945,000 | 56,564,000 |
| Interest-bearing deposits | 43,236,000 | 41,763,000 | 42,355,000 | 45,961,000 |
| Noninterest-bearing deposits | 10,082,000 | 10,585,000 | 9,590,000 | 10,603,000 |
| Equity capital | 8,234,000 | 8,209,000 | 8,674,000 | 8,679,000 |
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 | 1,546,000 | 3,050,000 | 4,496,000 | 5,934,000 |
| Interest expense | 816,000 | 1,582,000 | 2,293,000 | 2,956,000 |
| Net interest income | 730,000 | 1,468,000 | 2,203,000 | 2,978,000 |
| Noninterest income | 163,000 | 315,000 | 471,000 | 631,000 |
| Noninterest expense | 579,000 | 1,129,000 | 1,678,000 | 2,272,000 |
| Provision for loan losses | 20,000 | 244,000 | 264,000 | 283,000 |
| Pretax income | 295,000 | 407,000 | 729,000 | 1,051,000 |
| Income tax | 99,000 | 170,000 | 234,000 | 243,000 |
| Net income | 196,000 | 237,000 | 495,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,073,000 | 8,114,000 | 8,372,000 | 8,600,000 |
| Total capital | 8,600,000 | 8,529,000 | 8,808,000 | 9,002,000 |
| Risk-weighted assets | 45,118,000 | 44,397,000 | 43,225,000 | 44,534,000 |