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 | 93,128,000 | 93,559,000 | 93,268,000 | 94,992,000 |
| Total loans | 31,061,000 | 29,215,000 | 27,109,000 | 26,019,000 |
| Allowance for loan losses | 1,531,000 | 1,398,000 | 1,224,000 | 1,100,000 |
| Securities available for sale | 47,807,000 | 52,054,000 | 59,184,000 | 56,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,666,000 | 78,139,000 | 76,723,000 | 79,576,000 |
| Interest-bearing deposits | 62,878,000 | 65,097,000 | 63,097,000 | 65,068,000 |
| Noninterest-bearing deposits | 14,788,000 | 13,042,000 | 13,626,000 | 14,508,000 |
| Equity capital | 14,926,000 | 14,922,000 | 15,556,000 | 14,983,000 |
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 | 1,629,000 | 3,241,000 | 4,814,000 | 6,288,000 |
| Interest expense | 773,000 | 1,533,000 | 2,237,000 | 2,853,000 |
| Net interest income | 856,000 | 1,708,000 | 2,577,000 | 3,435,000 |
| Noninterest income | 109,000 | 255,000 | 398,000 | 552,000 |
| Noninterest expense | 718,000 | 1,434,000 | 2,166,000 | 2,981,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 246,000 | 526,000 | 807,000 | 1,036,000 |
| Income tax | 75,000 | 187,000 | 293,000 | 392,000 |
| Net income | 171,000 | 339,000 | 514,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,840,000 | 14,857,000 | 15,032,000 | 14,979,000 |
| Total capital | 15,488,000 | 15,487,000 | 15,626,000 | 15,598,000 |
| Risk-weighted assets | 50,943,000 | 49,595,000 | 46,860,000 | 49,056,000 |