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 | 266,016,000 | 273,105,000 | 276,075,000 | 270,475,000 |
| Total loans | 191,043,000 | 202,630,000 | 198,034,000 | 194,873,000 |
| Allowance for loan losses | 5,350,000 | 5,395,000 | 5,258,000 | 6,183,000 |
| Securities available for sale | 43,682,000 | 40,161,000 | 43,278,000 | 43,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,431,000 | 236,198,000 | 235,672,000 | 229,125,000 |
| Interest-bearing deposits | 205,594,000 | 208,440,000 | 206,577,000 | 203,716,000 |
| Noninterest-bearing deposits | 26,837,000 | 27,758,000 | 29,095,000 | 25,409,000 |
| Equity capital | 24,940,000 | 25,114,000 | 25,634,000 | 25,233,000 |
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 | 5,442,000 | 10,923,000 | 16,241,000 | 21,223,000 |
| Interest expense | 2,953,000 | 5,915,000 | 8,875,000 | 11,483,000 |
| Net interest income | 2,489,000 | 5,008,000 | 7,366,000 | 9,740,000 |
| Noninterest income | 673,000 | 1,411,000 | 2,221,000 | 3,004,000 |
| Noninterest expense | 2,102,000 | 4,380,000 | 6,590,000 | 8,479,000 |
| Provision for loan losses | 180,000 | 377,000 | 694,000 | 1,758,000 |
| Pretax income | 880,000 | 1,662,000 | 2,303,000 | 2,507,000 |
| Income tax | 321,000 | 603,000 | 823,000 | 895,000 |
| Net income | 559,000 | 1,059,000 | 1,480,000 | 1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,669,000 | 24,823,000 | 24,921,000 | 24,671,000 |
| Total capital | 27,003,000 | 27,263,000 | 27,313,000 | 27,107,000 |
| Risk-weighted assets | 183,828,000 | 192,247,000 | 188,668,000 | 191,125,000 |