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 | 221,519,000 | 230,549,000 | 228,276,000 | 235,028,000 |
| Total loans | 139,035,000 | 141,426,000 | 149,290,000 | 148,248,000 |
| Allowance for loan losses | 1,714,000 | 1,733,000 | 1,759,000 | 1,787,000 |
| Securities available for sale | 20,165,000 | 23,404,000 | 21,491,000 | 15,471,000 |
| Securities held to maturity | 40,270,000 | 40,310,000 | 40,220,000 | 40,561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,849,000 | 200,085,000 | 192,728,000 | 197,954,000 |
| Interest-bearing deposits | 154,703,000 | 165,092,000 | 156,354,000 | 163,847,000 |
| Noninterest-bearing deposits | 34,146,000 | 34,993,000 | 36,374,000 | 34,107,000 |
| Equity capital | 22,722,000 | 22,952,000 | 23,527,000 | 24,137,000 |
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 | 4,034,000 | 7,981,000 | 11,971,000 | 15,773,000 |
| Interest expense | 1,779,000 | 3,343,000 | 4,708,000 | 5,737,000 |
| Net interest income | 2,255,000 | 4,638,000 | 7,263,000 | 10,036,000 |
| Noninterest income | 531,000 | 1,045,000 | 1,534,000 | 2,076,000 |
| Noninterest expense | 1,813,000 | 3,653,000 | 5,484,000 | 7,417,000 |
| Provision for loan losses | 87,000 | 186,000 | 291,000 | 417,000 |
| Pretax income | 886,000 | 1,844,000 | 3,022,000 | 4,278,000 |
| Income tax | 210,000 | 451,000 | 776,000 | 1,129,000 |
| Net income | 676,000 | 1,393,000 | 2,246,000 | 3,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,530,000 | 22,729,000 | 23,245,000 | 23,851,000 |
| Total capital | 24,244,000 | 24,462,000 | 25,004,000 | 25,638,000 |
| Risk-weighted assets | 149,159,000 | 153,215,000 | 158,556,000 | 160,048,000 |
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