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 | 69,119,000 | 69,967,000 | 70,211,000 | 69,738,000 |
| Total loans | 20,091,000 | 17,684,000 | 18,879,000 | 16,717,000 |
| Allowance for loan losses | 715,000 | 755,000 | 758,000 | 638,000 |
| Securities available for sale | 35,154,000 | 37,130,000 | 38,268,000 | 41,773,000 |
| Securities held to maturity | 1,786,000 | 1,750,000 | 1,719,000 | 1,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,361,000 | 56,174,000 | 56,056,000 | 56,002,000 |
| Interest-bearing deposits | 49,178,000 | 49,921,000 | 50,408,000 | 50,293,000 |
| Noninterest-bearing deposits | 6,183,000 | 6,253,000 | 5,648,000 | 5,709,000 |
| Equity capital | 8,481,000 | 8,509,000 | 8,860,000 | 8,479,000 |
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 | 1,123,000 | 2,209,000 | 3,248,000 | 4,208,000 |
| Interest expense | 639,000 | 1,294,000 | 1,912,000 | 2,443,000 |
| Net interest income | 484,000 | 915,000 | 1,336,000 | 1,765,000 |
| Noninterest income | 195,000 | 370,000 | 541,000 | 714,000 |
| Noninterest expense | 551,000 | 1,052,000 | 1,545,000 | 2,159,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 83,000 | 148,000 | 202,000 | 172,000 |
| Income tax | 8,000 | 15,000 | 23,000 | -23,000 |
| Net income | 75,000 | 133,000 | 179,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,831,000 | 7,873,000 | 8,077,000 | 7,806,000 |
| Total capital | 8,185,000 | 8,206,000 | 8,418,000 | 8,119,000 |
| Risk-weighted assets | 27,935,000 | 26,249,000 | 26,870,000 | 24,728,000 |
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