Call reports 2001
CITIZENS BANK OF CAPE VINCENT — 2001
What CITIZENS BANK OF CAPE VINCENT 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 | 20,372,000 | 22,063,000 | 23,284,000 | 21,382,000 |
| Total loans | 7,980,000 | 7,764,000 | 7,687,000 | 7,562,000 |
| Allowance for loan losses | 66,000 | 41,000 | 52,000 | 52,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,680,000 | 9,721,000 | 9,918,000 | 9,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,070,000 | 17,681,000 | 18,881,000 | 16,939,000 |
| Interest-bearing deposits | 12,330,000 | 12,959,000 | 13,758,000 | 12,900,000 |
| Noninterest-bearing deposits | 3,740,000 | 4,722,000 | 5,123,000 | 4,039,000 |
| Equity capital | 4,243,000 | 4,337,000 | 4,358,000 | 4,409,000 |
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 | 356,000 | 702,000 | 1,059,000 | 1,400,000 |
| Interest expense | 106,000 | 209,000 | 313,000 | 415,000 |
| Net interest income | 250,000 | 493,000 | 746,000 | 985,000 |
| Noninterest income | 16,000 | 31,000 | 47,000 | 67,000 |
| Noninterest expense | 160,000 | 332,000 | 494,000 | 711,000 |
| Provision for loan losses | 20,000 | 0 | 0 | 0 |
| Pretax income | 86,000 | 192,000 | 299,000 | 341,000 |
| Income tax | 27,000 | 38,000 | 61,000 | 51,000 |
| Net income | 59,000 | 154,000 | 238,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,243,000 | 4,337,000 | 4,358,000 | 4,409,000 |
| Total capital | 4,309,000 | 4,378,000 | 4,410,000 | 4,461,000 |
| Risk-weighted assets | 12,164,000 | 12,521,000 | 12,692,000 | 12,037,000 |