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 | 32,434,000 | 30,434,000 | 31,976,000 | 29,999,000 |
| Total loans | 14,348,000 | 15,175,000 | 16,551,000 | 16,473,000 |
| Allowance for loan losses | 237,000 | 238,000 | 239,000 | 232,000 |
| Securities available for sale | 14,246,000 | 12,669,000 | 11,853,000 | 12,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,095,000 | 25,037,000 | 26,613,000 | 24,353,000 |
| Interest-bearing deposits | 24,130,000 | 22,322,000 | 23,077,000 | 21,066,000 |
| Noninterest-bearing deposits | 2,965,000 | 2,715,000 | 3,536,000 | 3,287,000 |
| Equity capital | 3,651,000 | 3,734,000 | 3,825,000 | 3,862,000 |
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 | 549,000 | 1,094,000 | 1,634,000 | 2,157,000 |
| Interest expense | 305,000 | 586,000 | 843,000 | 1,068,000 |
| Net interest income | 244,000 | 508,000 | 791,000 | 1,089,000 |
| Noninterest income | 85,000 | 156,000 | 214,000 | 294,000 |
| Noninterest expense | 267,000 | 527,000 | 753,000 | 968,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 60,000 | 135,000 | 250,000 | 431,000 |
| Income tax | 14,000 | 33,000 | 65,000 | 124,000 |
| Net income | 46,000 | 102,000 | 185,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,564,000 | 3,620,000 | 3,628,000 | 3,750,000 |
| Total capital | 3,796,000 | 3,850,000 | 3,867,000 | 3,982,000 |
| Risk-weighted assets | 18,584,000 | 18,406,000 | 20,149,000 | 19,893,000 |