Call reports 2001
CITIZENS BANK OF RHODE ISLAND — 2001
What CITIZENS BANK OF RHODE ISLAND 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 | 7,336,263,000 | 7,455,487,000 | 7,912,959,000 | 8,340,751,000 |
| Total loans | 3,624,197,000 | 4,075,267,000 | 4,550,145,000 | 4,954,891,000 |
| Allowance for loan losses | 51,174,000 | 50,565,000 | 57,314,000 | 52,816,000 |
| Securities available for sale | 2,523,021,000 | 2,147,755,000 | 2,045,537,000 | 2,101,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,088,000 | 23,409,000 | 15,517,000 | 5,525,000 |
| Total deposits | 5,761,994,000 | 5,908,426,000 | 5,967,539,000 | 6,203,792,000 |
| Interest-bearing deposits | 5,082,170,000 | 5,160,790,000 | 4,730,333,000 | 4,962,789,000 |
| Noninterest-bearing deposits | 679,824,000 | 747,636,000 | 1,237,206,000 | 1,241,003,000 |
| Equity capital | 580,259,000 | 601,196,000 | 658,351,000 | 673,214,000 |
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 | 118,164,000 | 234,556,000 | 353,655,000 | 475,580,000 |
| Interest expense | 59,230,000 | 113,060,000 | 163,406,000 | 209,518,000 |
| Net interest income | 58,934,000 | 121,496,000 | 190,249,000 | 266,062,000 |
| Noninterest income | 26,366,000 | 59,617,000 | 93,318,000 | 122,263,000 |
| Noninterest expense | 45,244,000 | 93,991,000 | 145,121,000 | 198,211,000 |
| Provision for loan losses | -9,958,000 | -4,916,000 | 7,126,000 | 2,640,000 |
| Pretax income | 57,537,000 | 103,106,000 | 144,329,000 | 200,471,000 |
| Income tax | 20,206,000 | 35,668,000 | 49,163,000 | 67,903,000 |
| Net income | 37,582,000 | 67,689,000 | 95,417,000 | 132,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 483,737,000 | 516,358,000 | 546,619,000 | 578,825,000 |
| Total capital | 534,911,000 | 566,923,000 | 603,933,000 | 631,641,000 |
| Risk-weighted assets | 5,151,047,000 | 5,447,167,000 | 5,893,784,000 | 5,760,471,000 |