Call reports 2001
CITIZENS COMMERCE BANK — 2001
What CITIZENS COMMERCE BANK 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 | 116,575,000 | 121,974,000 | 127,715,000 | 130,795,000 |
| Total loans | 98,126,000 | 102,156,000 | 104,618,000 | 106,256,000 |
| Allowance for loan losses | 927,000 | 1,001,000 | 1,075,000 | 1,074,000 |
| Securities available for sale | 11,134,000 | 10,883,000 | 13,455,000 | 11,762,000 |
| Securities held to maturity | 298,000 | 298,000 | 298,000 | 792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,726,000 | 97,397,000 | 99,379,000 | 105,649,000 |
| Interest-bearing deposits | 84,173,000 | 89,643,000 | 92,858,000 | 97,914,000 |
| Noninterest-bearing deposits | 7,553,000 | 7,754,000 | 6,521,000 | 7,735,000 |
| Equity capital | 8,890,000 | 9,273,000 | 9,581,000 | 9,825,000 |
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 | 2,563,000 | 5,253,000 | 7,952,000 | 10,254,000 |
| Interest expense | 1,376,000 | 2,763,000 | 4,136,000 | 5,464,000 |
| Net interest income | 1,187,000 | 2,490,000 | 3,816,000 | 4,790,000 |
| Noninterest income | 209,000 | 439,000 | 672,000 | 1,287,000 |
| Noninterest expense | 918,000 | 1,821,000 | 2,822,000 | 3,814,000 |
| Provision for loan losses | 70,000 | 160,000 | 250,000 | 325,000 |
| Pretax income | 450,000 | 1,038,000 | 1,555,000 | 2,093,000 |
| Income tax | 146,000 | 337,000 | 500,000 | 679,000 |
| Net income | 304,000 | 701,000 | 1,055,000 | 1,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,607,000 | 9,027,000 | 9,256,000 | 9,640,000 |
| Total capital | 9,534,000 | 10,028,000 | 10,331,000 | 10,714,000 |
| Risk-weighted assets | 94,236,000 | 99,078,000 | 101,796,000 | 102,060,000 |