Call reports 2001
CITIZENS BANK OF SOUTHERN PENNSYLVANIA — 2001
What CITIZENS BANK OF SOUTHERN PENNSYLVANIA 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 | 205,757,000 | 203,016,000 | 227,265,000 | 227,254,000 |
| Total loans | 134,407,000 | 134,268,000 | 143,143,000 | 141,966,000 |
| Allowance for loan losses | 1,226,000 | 1,331,000 | 1,356,000 | 1,390,000 |
| Securities available for sale | 39,204,000 | 42,985,000 | 65,379,000 | 64,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,573,000 | 170,187,000 | 170,876,000 | 171,548,000 |
| Interest-bearing deposits | 150,238,000 | 149,101,000 | 150,227,000 | 147,956,000 |
| Noninterest-bearing deposits | 21,335,000 | 21,086,000 | 20,649,000 | 23,592,000 |
| Equity capital | 15,633,000 | 16,004,000 | 16,748,000 | 16,008,000 |
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 | 3,632,000 | 7,250,000 | 11,076,000 | 14,809,000 |
| Interest expense | 1,702,000 | 3,368,000 | 5,153,000 | 6,791,000 |
| Net interest income | 1,930,000 | 3,882,000 | 5,923,000 | 8,018,000 |
| Noninterest income | 293,000 | 652,000 | 1,023,000 | 1,445,000 |
| Noninterest expense | 1,606,000 | 3,039,000 | 4,610,000 | 6,428,000 |
| Provision for loan losses | 103,000 | 207,000 | 309,000 | 412,000 |
| Pretax income | 514,000 | 1,288,000 | 2,027,000 | 2,674,000 |
| Income tax | 128,000 | 278,000 | 454,000 | 675,000 |
| Net income | 386,000 | 1,010,000 | 1,573,000 | 1,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,388,000 | 15,619,000 | 15,786,000 | 15,492,000 |
| Total capital | 16,614,000 | 16,950,000 | 17,142,000 | 16,882,000 |
| Risk-weighted assets | 132,834,000 | 134,195,000 | 146,585,000 | 143,708,000 |
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