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 | 50,502,000 | 53,202,000 | 51,625,000 | 49,873,000 |
| Total loans | 24,730,000 | 25,289,000 | 25,010,000 | 26,025,000 |
| Allowance for loan losses | 352,000 | 325,000 | 310,000 | 315,000 |
| Securities available for sale | 18,405,000 | 19,879,000 | 16,650,000 | 19,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,402,000 | 47,964,000 | 46,342,000 | 44,891,000 |
| Interest-bearing deposits | 37,955,000 | 40,735,000 | 37,837,000 | 37,908,000 |
| Noninterest-bearing deposits | 7,447,000 | 7,229,000 | 8,505,000 | 6,983,000 |
| Equity capital | 4,369,000 | 4,443,000 | 4,618,000 | 4,349,000 |
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 | 994,000 | 2,027,000 | 2,996,000 | 3,917,000 |
| Interest expense | 489,000 | 978,000 | 1,436,000 | 1,837,000 |
| Net interest income | 505,000 | 1,049,000 | 1,560,000 | 2,080,000 |
| Noninterest income | 167,000 | 318,000 | 479,000 | 662,000 |
| Noninterest expense | 573,000 | 1,117,000 | 1,659,000 | 2,217,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 94,000 | 230,000 | 345,000 | 475,000 |
| Income tax | 30,000 | 79,000 | 117,000 | 197,000 |
| Net income | 64,000 | 151,000 | 228,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,311,000 | 4,397,000 | 4,474,000 | 4,349,000 |
| Total capital | 4,663,000 | 4,722,000 | 4,784,000 | 4,664,000 |
| Risk-weighted assets | 28,783,000 | 29,756,000 | 28,965,000 | 28,882,000 |