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 | 118,929,000 | 120,395,000 | 120,212,000 | 121,979,000 |
| Total loans | 82,176,000 | 88,388,000 | 89,265,000 | 92,719,000 |
| Allowance for loan losses | 625,000 | 608,000 | 632,000 | 598,000 |
| Securities available for sale | 20,289,000 | 19,750,000 | 17,768,000 | 18,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,685,000 | 107,669,000 | 103,188,000 | 102,898,000 |
| Interest-bearing deposits | 95,216,000 | 95,542,000 | 90,336,000 | 88,967,000 |
| Noninterest-bearing deposits | 10,469,000 | 12,127,000 | 12,852,000 | 13,931,000 |
| Equity capital | 7,569,000 | 8,040,000 | 8,303,000 | 8,427,000 |
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 | 2,290,000 | 4,630,000 | 7,005,000 | 9,278,000 |
| Interest expense | 1,151,000 | 2,217,000 | 3,137,000 | 3,899,000 |
| Net interest income | 1,139,000 | 2,413,000 | 3,868,000 | 5,379,000 |
| Noninterest income | 481,000 | 865,000 | 1,236,000 | 1,617,000 |
| Noninterest expense | 1,400,000 | 2,679,000 | 3,950,000 | 5,347,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 220,000 |
| Pretax income | 175,000 | 509,000 | 1,029,000 | 1,439,000 |
| Income tax | 9,000 | 111,000 | 278,000 | 420,000 |
| Net income | 166,000 | 398,000 | 751,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,093,000 | 7,733,000 | 7,928,000 | 8,119,000 |
| Total capital | 7,718,000 | 8,341,000 | 8,560,000 | 8,717,000 |
| Risk-weighted assets | 75,948,000 | 79,629,000 | 83,541,000 | 83,762,000 |