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 | 538,221,000 | 544,503,000 | 572,001,000 | 552,938,000 |
| Total loans | 408,780,000 | 419,244,000 | 450,704,000 | 424,847,000 |
| Allowance for loan losses | 4,769,000 | 4,976,000 | 4,951,000 | 4,394,000 |
| Securities available for sale | 81,127,000 | 80,786,000 | 77,659,000 | 79,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,916,000 | 372,559,000 | 389,176,000 | 384,479,000 |
| Interest-bearing deposits | 342,497,000 | 326,589,000 | 337,316,000 | 335,560,000 |
| Noninterest-bearing deposits | 43,419,000 | 45,970,000 | 51,860,000 | 48,919,000 |
| Equity capital | 55,017,000 | 55,804,000 | 56,509,000 | 56,603,000 |
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 | 11,336,000 | 22,059,000 | 32,704,000 | 42,926,000 |
| Interest expense | 5,458,000 | 10,229,000 | 14,691,000 | 18,331,000 |
| Net interest income | 5,878,000 | 11,830,000 | 18,013,000 | 24,595,000 |
| Noninterest income | 1,185,000 | 2,555,000 | 3,812,000 | 4,971,000 |
| Noninterest expense | 3,843,000 | 7,786,000 | 11,390,000 | 15,217,000 |
| Provision for loan losses | 261,000 | 569,000 | 875,000 | 1,182,000 |
| Pretax income | 3,351,000 | 6,422,000 | 9,952,000 | 13,559,000 |
| Income tax | 208,000 | 406,000 | 601,000 | 762,000 |
| Net income | 3,143,000 | 6,016,000 | 9,351,000 | 12,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,485,000 | 46,446,000 | 47,303,000 | 48,199,000 |
| Total capital | 49,948,000 | 50,553,000 | 51,516,000 | 52,416,000 |
| Risk-weighted assets | 356,651,000 | 327,664,000 | 336,057,000 | 337,185,000 |