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 | 85,440,000 | 81,987,000 | 82,160,000 | 86,853,000 |
| Total loans | 39,095,000 | 41,472,000 | 41,342,000 | 41,629,000 |
| Allowance for loan losses | 279,000 | 275,000 | 274,000 | 302,000 |
| Securities available for sale | 34,744,000 | 33,931,000 | 33,534,000 | 35,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,704,000 | 67,509,000 | 69,724,000 | 74,753,000 |
| Interest-bearing deposits | 57,999,000 | 56,275,000 | 58,972,000 | 63,030,000 |
| Noninterest-bearing deposits | 10,705,000 | 11,234,000 | 10,752,000 | 11,723,000 |
| Equity capital | 5,938,000 | 6,005,000 | 6,501,000 | 6,356,000 |
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 | 1,562,000 | 3,021,000 | 4,466,000 | 5,887,000 |
| Interest expense | 899,000 | 1,661,000 | 2,332,000 | 2,927,000 |
| Net interest income | 663,000 | 1,360,000 | 2,134,000 | 2,960,000 |
| Noninterest income | 139,000 | 295,000 | 421,000 | 554,000 |
| Noninterest expense | 640,000 | 1,280,000 | 1,922,000 | 2,586,000 |
| Provision for loan losses | 25,000 | 25,000 | 50,000 | 110,000 |
| Pretax income | 132,000 | 346,000 | 608,000 | 843,000 |
| Income tax | 28,000 | 78,000 | 131,000 | 171,000 |
| Net income | 104,000 | 268,000 | 477,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,703,000 | 5,793,000 | 6,003,000 | 6,073,000 |
| Total capital | 5,982,000 | 6,068,000 | 6,277,000 | 6,375,000 |
| Risk-weighted assets | 41,789,000 | 44,193,000 | 43,734,000 | 43,545,000 |