Call reports 2001
CITIZENS BANK, THE — 2001
What CITIZENS BANK, THE 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 | 61,909,000 | 61,749,000 | 62,849,000 | 66,388,000 |
| Total loans | 41,964,000 | 43,160,000 | 43,824,000 | 47,022,000 |
| Allowance for loan losses | 401,000 | 428,000 | 457,000 | 383,000 |
| Securities available for sale | 10,371,000 | 10,247,000 | 10,013,000 | 10,192,000 |
| Securities held to maturity | 3,023,000 | 2,879,000 | 2,964,000 | 2,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,669,000 | 45,748,000 | 47,398,000 | 49,387,000 |
| Interest-bearing deposits | 42,683,000 | 41,285,000 | 42,410,000 | 44,631,000 |
| Noninterest-bearing deposits | 3,986,000 | 4,463,000 | 4,988,000 | 4,756,000 |
| Equity capital | 6,671,000 | 6,798,000 | 6,994,000 | 7,117,000 |
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 | 1,170,000 | 2,355,000 | 3,550,000 | 4,729,000 |
| Interest expense | 637,000 | 1,265,000 | 1,872,000 | 2,410,000 |
| Net interest income | 533,000 | 1,090,000 | 1,678,000 | 2,319,000 |
| Noninterest income | 108,000 | 225,000 | 328,000 | 431,000 |
| Noninterest expense | 456,000 | 900,000 | 1,357,000 | 1,754,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 155,000 | 355,000 | 559,000 | 877,000 |
| Income tax | 34,000 | 82,000 | 134,000 | 228,000 |
| Net income | 121,000 | 273,000 | 425,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,543,000 | 6,699,000 | 6,811,000 | 7,040,000 |
| Total capital | 6,944,000 | 7,127,000 | 7,268,000 | 7,423,000 |
| Risk-weighted assets | 43,774,000 | 41,167,000 | 46,185,000 | 43,294,000 |