Call reports 2001
CITIZENS BANK, N.A. — 2001
What CITIZENS BANK, N.A. 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 | 177,488,000 | 179,593,000 | 188,891,000 | 187,196,000 |
| Total loans | 102,501,000 | 107,872,000 | 105,942,000 | 104,747,000 |
| Allowance for loan losses | 892,000 | 1,085,000 | 739,000 | 1,054,000 |
| Securities available for sale | 39,794,000 | 37,978,000 | 38,375,000 | 40,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 17,919,000 | 17,488,000 | 18,239,000 | 17,405,000 |
| Total deposits | 136,054,000 | 136,470,000 | 139,477,000 | 131,522,000 |
| Interest-bearing deposits | 118,187,000 | 118,784,000 | 120,466,000 | 113,260,000 |
| Noninterest-bearing deposits | 17,867,000 | 17,686,000 | 19,011,000 | 18,262,000 |
| Equity capital | 13,668,000 | 14,228,000 | 14,788,000 | 16,921,000 |
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 | 3,385,000 | 6,675,000 | 9,975,000 | 13,026,000 |
| Interest expense | 1,772,000 | 3,432,000 | 5,148,000 | 6,631,000 |
| Net interest income | 1,613,000 | 3,243,000 | 4,827,000 | 6,395,000 |
| Noninterest income | 246,000 | 867,000 | 1,464,000 | 1,796,000 |
| Noninterest expense | 1,531,000 | 2,803,000 | 4,272,000 | 5,597,000 |
| Provision for loan losses | 42,000 | 282,000 | 568,000 | 1,052,000 |
| Pretax income | 271,000 | 1,002,000 | 1,428,000 | 1,514,000 |
| Income tax | 38,000 | 69,000 | 88,000 | 89,000 |
| Net income | 835,000 | 1,535,000 | 1,942,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,162,000 | 13,862,000 | 13,988,000 | 16,646,000 |
| Total capital | 14,054,000 | 14,947,000 | 14,727,000 | 17,700,000 |
| Risk-weighted assets | 116,496,000 | 123,089,000 | 121,292,000 | 121,569,000 |