Call reports 2001
CITIZENS BANK OF LONDON, THE — 2001
What CITIZENS BANK OF LONDON, 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 | 47,609,000 | 49,593,000 | 48,002,000 | 50,399,000 |
| Total loans | 40,988,000 | 42,011,000 | 42,913,000 | 41,534,000 |
| Allowance for loan losses | 316,000 | 331,000 | 346,000 | 361,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,355,000 | 1,228,000 | 1,105,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,778,000 | 42,966,000 | 41,253,000 | 43,011,000 |
| Interest-bearing deposits | 39,095,000 | 41,215,000 | 39,284,000 | 41,211,000 |
| Noninterest-bearing deposits | 1,683,000 | 1,751,000 | 1,969,000 | 1,800,000 |
| Equity capital | 4,958,000 | 5,103,000 | 5,229,000 | 5,305,000 |
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 | 953,000 | 1,906,000 | 2,831,000 | 3,698,000 |
| Interest expense | 486,000 | 947,000 | 1,393,000 | 1,802,000 |
| Net interest income | 467,000 | 959,000 | 1,438,000 | 1,896,000 |
| Noninterest income | 29,000 | 56,000 | 88,000 | 118,000 |
| Noninterest expense | 331,000 | 626,000 | 945,000 | 1,245,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 150,000 | 359,000 | 536,000 | 709,000 |
| Income tax | 50,000 | 114,000 | 165,000 | 262,000 |
| Net income | 100,000 | 245,000 | 371,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,958,000 | 5,103,000 | 5,229,000 | 5,305,000 |
| Total capital | 5,274,000 | 5,434,000 | 5,575,000 | 5,666,000 |
| Risk-weighted assets | 32,507,000 | 34,254,000 | 35,025,000 | 34,990,000 |