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 | 71,888,000 | 74,007,000 | 77,296,000 | 78,163,000 |
| Total loans | 42,805,000 | 46,404,000 | 51,969,000 | 55,792,000 |
| Allowance for loan losses | 675,000 | 727,000 | 756,000 | 788,000 |
| Securities available for sale | 14,899,000 | 13,573,000 | 11,439,000 | 10,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,163,000 | 58,874,000 | 60,428,000 | 60,324,000 |
| Interest-bearing deposits | 51,395,000 | 53,260,000 | 53,528,000 | 52,684,000 |
| Noninterest-bearing deposits | 5,768,000 | 5,614,000 | 6,900,000 | 7,640,000 |
| Equity capital | 11,918,000 | 11,919,000 | 12,030,000 | 11,815,000 |
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 | 1,227,000 | 2,597,000 | 4,013,000 | 5,119,000 |
| Interest expense | 661,000 | 1,327,000 | 1,958,000 | 2,509,000 |
| Net interest income | 566,000 | 1,270,000 | 2,055,000 | 2,610,000 |
| Noninterest income | 176,000 | 294,000 | 429,000 | 850,000 |
| Noninterest expense | 722,000 | 1,527,000 | 2,281,000 | 3,316,000 |
| Provision for loan losses | 80,000 | 159,000 | 239,000 | 290,000 |
| Pretax income | -33,000 | -49,000 | 79,000 | -31,000 |
| Income tax | -15,000 | -22,000 | 26,000 | 46,000 |
| Net income | -18,000 | -27,000 | 53,000 | -77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,550,000 | 6,633,000 | 6,713,000 | 6,766,000 |
| Total capital | 7,185,000 | 7,312,000 | 7,467,000 | 7,535,000 |
| Risk-weighted assets | 50,833,000 | 54,235,000 | 60,399,000 | 61,522,000 |
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