Call reports 2001
CITIZENS BANK, THE — 2001
What CITIZENS BANK, THE 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 | 333,812,000 | 350,812,000 | 368,285,000 | 372,740,000 |
| Total loans | 138,887,000 | 133,063,000 | 136,255,000 | 139,772,000 |
| Allowance for loan losses | 2,137,000 | 2,125,000 | 2,179,000 | 2,220,000 |
| Securities available for sale | 147,410,000 | 160,249,000 | 174,657,000 | 163,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,499,000 | 299,127,000 | 308,590,000 | 313,058,000 |
| Interest-bearing deposits | 272,705,000 | 288,063,000 | 297,824,000 | 255,424,000 |
| Noninterest-bearing deposits | 9,794,000 | 11,064,000 | 10,766,000 | 57,634,000 |
| Equity capital | 28,262,000 | 28,949,000 | 33,130,000 | 30,940,000 |
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 | 5,827,000 | 11,660,000 | 17,768,000 | 23,143,000 |
| Interest expense | 2,451,000 | 4,770,000 | 6,923,000 | 8,743,000 |
| Net interest income | 3,376,000 | 6,890,000 | 10,845,000 | 14,400,000 |
| Noninterest income | 1,109,000 | 2,195,000 | 3,283,000 | 4,847,000 |
| Noninterest expense | 2,630,000 | 5,267,000 | 7,917,000 | 10,866,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 450,000 |
| Pretax income | 1,937,000 | 3,626,000 | 5,966,000 | 7,944,000 |
| Income tax | 17,000 | -446,000 | -446,000 | -354,000 |
| Net income | 1,920,000 | 4,072,000 | 6,412,000 | 8,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,919,000 | 27,821,000 | 28,911,000 | 28,647,000 |
| Total capital | 29,056,000 | 29,946,000 | 31,090,000 | 30,880,000 |
| Risk-weighted assets | 188,970,000 | 196,996,000 | 207,611,000 | 209,984,000 |