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 | 65,983,000 | 64,975,000 | 67,186,000 | 68,865,000 |
| Total loans | 47,825,000 | 47,634,000 | 48,666,000 | 48,555,000 |
| Allowance for loan losses | 602,000 | 597,000 | 605,000 | 586,000 |
| Securities available for sale | 11,212,000 | 11,660,000 | 11,312,000 | 16,372,000 |
| Securities held to maturity | 1,536,000 | 1,322,000 | 1,079,000 | 868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,354,000 | 57,657,000 | 59,899,000 | 61,450,000 |
| Interest-bearing deposits | 50,537,000 | 51,023,000 | 53,275,000 | 53,576,000 |
| Noninterest-bearing deposits | 7,817,000 | 6,634,000 | 6,624,000 | 7,874,000 |
| Equity capital | 6,007,000 | 5,849,000 | 5,988,000 | 6,042,000 |
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 | 1,398,000 | 2,776,000 | 4,082,000 | 5,395,000 |
| Interest expense | 738,000 | 1,462,000 | 2,165,000 | 2,818,000 |
| Net interest income | 660,000 | 1,314,000 | 1,917,000 | 2,577,000 |
| Noninterest income | 95,000 | 185,000 | 269,000 | 356,000 |
| Noninterest expense | 496,000 | 950,000 | 1,406,000 | 1,889,000 |
| Provision for loan losses | 30,000 | 60,000 | 180,000 | 210,000 |
| Pretax income | 229,000 | 489,000 | 600,000 | 834,000 |
| Income tax | 87,000 | 186,000 | 238,000 | 315,000 |
| Net income | 142,000 | 303,000 | 362,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,960,000 | 5,816,000 | 5,874,000 | 6,031,000 |
| Total capital | 6,511,000 | 6,362,000 | 6,437,000 | 6,580,000 |
| Risk-weighted assets | 43,994,000 | 43,629,000 | 44,985,000 | 43,918,000 |