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 | 17,909,000 | 17,516,000 | 18,861,000 | 19,126,000 |
| Total loans | 13,535,000 | 13,836,000 | 13,282,000 | 13,819,000 |
| Allowance for loan losses | 144,000 | 142,000 | 136,000 | 147,000 |
| Securities available for sale | 2,008,000 | 1,888,000 | 3,107,000 | 3,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,548,000 | 15,453,000 | 16,172,000 | 16,186,000 |
| Interest-bearing deposits | 13,302,000 | 13,286,000 | 13,731,000 | 13,535,000 |
| Noninterest-bearing deposits | 2,246,000 | 2,167,000 | 2,441,000 | 2,651,000 |
| Equity capital | 1,599,000 | 1,616,000 | 1,719,000 | 1,693,000 |
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 | 388,000 | 793,000 | 1,163,000 | 1,534,000 |
| Interest expense | 176,000 | 347,000 | 503,000 | 646,000 |
| Net interest income | 212,000 | 446,000 | 660,000 | 888,000 |
| Noninterest income | 45,000 | 101,000 | 148,000 | 215,000 |
| Noninterest expense | 157,000 | 402,000 | 559,000 | 824,000 |
| Provision for loan losses | 3,000 | 5,000 | 8,000 | 14,000 |
| Pretax income | 98,000 | 140,000 | 243,000 | 267,000 |
| Income tax | 26,000 | 46,000 | 65,000 | 92,000 |
| Net income | 72,000 | 94,000 | 178,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,576,000 | 1,593,000 | 1,678,000 | 1,675,000 |
| Total capital | 1,720,000 | 1,735,000 | 1,814,000 | 1,822,000 |
| Risk-weighted assets | 13,179,000 | 13,820,000 | 11,862,000 | 11,992,000 |