Call reports 2001
CITIZENS BANK AND TRUST COMPANY — 2001
What CITIZENS BANK AND TRUST COMPANY 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 | 115,394,000 | 115,167,000 | 116,892,000 | 126,417,000 |
| Total loans | 87,606,000 | 89,600,000 | 89,303,000 | 87,471,000 |
| Allowance for loan losses | 919,000 | 885,000 | 931,000 | 1,132,000 |
| Securities available for sale | 6,500,000 | 5,632,000 | 4,663,000 | 4,161,000 |
| Securities held to maturity | 4,707,000 | 3,857,000 | 3,859,000 | 2,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,037,000 | 99,766,000 | 101,058,000 | 110,432,000 |
| Interest-bearing deposits | 82,024,000 | 80,679,000 | 80,515,000 | 88,779,000 |
| Noninterest-bearing deposits | 19,013,000 | 19,087,000 | 20,543,000 | 21,653,000 |
| Equity capital | 13,313,000 | 13,698,000 | 13,929,000 | 14,185,000 |
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 | 2,151,000 | 4,380,000 | 6,607,000 | 8,653,000 |
| Interest expense | 853,000 | 1,614,000 | 2,342,000 | 2,932,000 |
| Net interest income | 1,298,000 | 2,766,000 | 4,265,000 | 5,721,000 |
| Noninterest income | 429,000 | 885,000 | 1,324,000 | 1,871,000 |
| Noninterest expense | 1,260,000 | 2,592,000 | 3,877,000 | 5,169,000 |
| Provision for loan losses | 30,000 | 60,000 | 135,000 | 500,000 |
| Pretax income | 437,000 | 999,000 | 1,577,000 | 1,923,000 |
| Income tax | 138,000 | 327,000 | 527,000 | 612,000 |
| Net income | 299,000 | 672,000 | 1,050,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,232,000 | 13,646,000 | 13,883,000 | 14,144,000 |
| Total capital | 14,151,000 | 14,531,000 | 14,814,000 | 15,264,000 |
| Risk-weighted assets | 83,480,000 | 85,572,000 | 86,233,000 | 89,672,000 |