Call reports 2001
CITIZENS BANK AND TRUST COMPANY — 2001
What CITIZENS BANK AND TRUST COMPANY 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 | 701,955,000 | 896,941,000 | 895,870,000 | 891,113,000 |
| Total loans | 365,693,000 | 520,942,000 | 507,011,000 | 513,906,000 |
| Allowance for loan losses | 4,627,000 | 7,466,000 | 7,463,000 | 7,061,000 |
| Securities available for sale | 223,740,000 | 317,248,000 | 334,898,000 | 304,039,000 |
| Securities held to maturity | 58,560,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,456,000 | 633,386,000 | 631,403,000 | 649,044,000 |
| Interest-bearing deposits | 416,975,000 | 583,924,000 | 583,062,000 | 581,318,000 |
| Noninterest-bearing deposits | 30,481,000 | 49,462,000 | 48,341,000 | 67,726,000 |
| Equity capital | 51,897,000 | 73,976,000 | 77,980,000 | 75,649,000 |
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 | 12,232,000 | 33,138,000 | 49,134,000 | 64,663,000 |
| Interest expense | 7,920,000 | 19,982,000 | 28,997,000 | 36,454,000 |
| Net interest income | 4,312,000 | 13,156,000 | 20,137,000 | 28,209,000 |
| Noninterest income | 775,000 | 3,130,000 | 4,350,000 | 5,522,000 |
| Noninterest expense | 3,023,000 | 9,792,000 | 14,537,000 | 20,366,000 |
| Provision for loan losses | -318,000 | 313,000 | 313,000 | 1,535,000 |
| Pretax income | 2,552,000 | 6,725,000 | 9,561,000 | 11,760,000 |
| Income tax | 926,000 | 2,444,000 | 3,481,000 | 4,323,000 |
| Net income | 1,626,000 | 4,281,000 | 6,080,000 | 7,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,503,000 | 67,919,000 | 69,826,000 | 69,711,000 |
| Total capital | 51,130,000 | 74,559,000 | 76,311,000 | 76,232,000 |
| Risk-weighted assets | 436,517,000 | 530,382,000 | 517,794,000 | 521,104,000 |