Call reports 2001
CITIZENS BANK & TRUST COMPANY — 2001
What CITIZENS BANK & 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 | 206,457,000 | 205,606,000 | 204,468,000 | 216,476,000 |
| Total loans | 143,667,000 | 140,298,000 | 139,159,000 | 143,621,000 |
| Allowance for loan losses | 1,637,000 | 1,662,000 | 1,669,000 | 1,510,000 |
| Securities available for sale | 21,201,000 | 21,473,000 | 21,697,000 | 25,761,000 |
| Securities held to maturity | 23,847,000 | 21,551,000 | 23,513,000 | 22,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,825,000 | 180,016,000 | 177,905,000 | 190,487,000 |
| Interest-bearing deposits | 158,457,000 | 157,308,000 | 156,882,000 | 167,989,000 |
| Noninterest-bearing deposits | 22,368,000 | 22,708,000 | 21,023,000 | 22,498,000 |
| Equity capital | 22,923,000 | 23,018,000 | 23,917,000 | 23,561,000 |
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 | 4,080,000 | 8,247,000 | 12,320,000 | 16,305,000 |
| Interest expense | 1,856,000 | 3,609,000 | 5,246,000 | 6,641,000 |
| Net interest income | 2,224,000 | 4,638,000 | 7,074,000 | 9,664,000 |
| Noninterest income | 341,000 | 695,000 | 1,015,000 | 1,352,000 |
| Noninterest expense | 1,504,000 | 3,017,000 | 4,580,000 | 6,255,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 1,001,000 | 2,196,000 | 3,329,000 | 4,534,000 |
| Income tax | 284,000 | 660,000 | 1,001,000 | 1,380,000 |
| Net income | 717,000 | 1,536,000 | 2,328,000 | 3,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,350,000 | 22,427,000 | 23,228,000 | 23,064,000 |
| Total capital | 23,987,000 | 24,089,000 | 24,897,000 | 24,574,000 |
| Risk-weighted assets | 208,252,000 | 149,057,000 | 167,645,000 | 139,402,000 |