Call reports 2001
CITIZENS TRUST COMPANY — 2001
What CITIZENS 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 | 131,052,000 | 138,082,000 | 133,762,000 | 135,639,000 |
| Total loans | 63,241,000 | 65,303,000 | 67,632,000 | 67,488,000 |
| Allowance for loan losses | 914,000 | 926,000 | 942,000 | 487,000 |
| Securities available for sale | 56,666,000 | 55,114,000 | 52,134,000 | 53,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,578,000 | 88,924,000 | 87,378,000 | 87,110,000 |
| Interest-bearing deposits | 73,334,000 | 75,758,000 | 75,052,000 | 76,047,000 |
| Noninterest-bearing deposits | 11,244,000 | 13,166,000 | 12,326,000 | 11,063,000 |
| Equity capital | 14,365,000 | 14,564,000 | 15,148,000 | 15,572,000 |
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 | 2,311,000 | 4,626,000 | 6,928,000 | 9,132,000 |
| Interest expense | 1,250,000 | 2,441,000 | 3,557,000 | 4,615,000 |
| Net interest income | 1,061,000 | 2,185,000 | 3,371,000 | 4,517,000 |
| Noninterest income | 249,000 | 509,000 | 788,000 | 1,046,000 |
| Noninterest expense | 869,000 | 1,725,000 | 2,577,000 | 3,410,000 |
| Provision for loan losses | 14,000 | 26,000 | 41,000 | -414,000 |
| Pretax income | 427,000 | 943,000 | 1,542,000 | 2,568,000 |
| Income tax | 74,000 | 182,000 | 319,000 | 597,000 |
| Net income | 353,000 | 761,000 | 1,223,000 | 1,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,088,000 | 14,325,000 | 14,616,000 | 15,193,000 |
| Total capital | 14,807,000 | 15,077,000 | 15,360,000 | 15,680,000 |
| Risk-weighted assets | 57,419,000 | 59,979,000 | 59,337,000 | 61,338,000 |