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 | 46,951,000 | 47,647,000 | 48,664,000 | 50,384,000 |
| Total loans | 23,946,000 | 24,999,000 | 26,241,000 | 24,477,000 |
| Allowance for loan losses | 411,000 | 402,000 | 423,000 | 441,000 |
| Securities available for sale | 12,829,000 | 11,878,000 | 11,583,000 | 10,815,000 |
| Securities held to maturity | 7,559,000 | 7,339,000 | 7,269,000 | 7,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,156,000 | 36,457,000 | 37,106,000 | 39,313,000 |
| Interest-bearing deposits | 33,137,000 | 33,158,000 | 34,428,000 | 35,914,000 |
| Noninterest-bearing deposits | 3,019,000 | 3,299,000 | 2,678,000 | 3,399,000 |
| Equity capital | 7,719,000 | 7,653,000 | 7,933,000 | 7,535,000 |
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 | 864,000 | 1,718,000 | 2,592,000 | 3,444,000 |
| Interest expense | 458,000 | 902,000 | 1,330,000 | 1,717,000 |
| Net interest income | 406,000 | 816,000 | 1,262,000 | 1,727,000 |
| Noninterest income | 35,000 | 77,000 | 122,000 | 174,000 |
| Noninterest expense | 281,000 | 554,000 | 842,000 | 1,272,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 32,000 |
| Pretax income | 161,000 | 339,000 | 528,000 | 600,000 |
| Income tax | 24,000 | 59,000 | 103,000 | 102,000 |
| Net income | 137,000 | 280,000 | 425,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,488,000 | 7,481,000 | 7,625,000 | 7,348,000 |
| Total capital | 7,856,000 | 7,815,000 | 7,977,000 | 7,695,000 |
| Risk-weighted assets | 28,871,000 | 26,591,000 | 28,066,000 | 27,696,000 |