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 | 45,857,000 | 42,038,000 | 41,423,000 | 44,913,000 |
| Total loans | 22,300,000 | 21,856,000 | 20,749,000 | 19,456,000 |
| Allowance for loan losses | 615,000 | 638,000 | 627,000 | 578,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,823,000 | 9,146,000 | 9,853,000 | 12,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,377,000 | 37,432,000 | 36,755,000 | 40,272,000 |
| Interest-bearing deposits | 32,677,000 | 29,077,000 | 29,074,000 | 32,682,000 |
| Noninterest-bearing deposits | 8,700,000 | 8,355,000 | 7,681,000 | 7,590,000 |
| Equity capital | 4,208,000 | 4,246,000 | 4,307,000 | 4,390,000 |
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 | 767,000 | 1,502,000 | 2,180,000 | 2,798,000 |
| Interest expense | 373,000 | 718,000 | 1,015,000 | 1,269,000 |
| Net interest income | 394,000 | 784,000 | 1,165,000 | 1,529,000 |
| Noninterest income | 67,000 | 138,000 | 211,000 | 289,000 |
| Noninterest expense | 365,000 | 730,000 | 1,099,000 | 1,432,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 192,000 | 277,000 | 386,000 |
| Income tax | 11,000 | 69,000 | 93,000 | 119,000 |
| Net income | 85,000 | 123,000 | 184,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,208,000 | 4,246,000 | 4,307,000 | 4,390,000 |
| Total capital | 4,511,000 | 4,532,000 | 4,582,000 | 4,663,000 |
| Risk-weighted assets | 23,942,000 | 22,491,000 | 21,677,000 | 21,541,000 |