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 | 60,095,000 | 62,313,000 | 61,667,000 | 60,731,000 |
| Total loans | 32,013,000 | 32,317,000 | 33,103,000 | 33,746,000 |
| Allowance for loan losses | 320,000 | 317,000 | 318,000 | 325,000 |
| Securities available for sale | 16,876,000 | 19,007,000 | 21,171,000 | 20,519,000 |
| Securities held to maturity | 1,055,000 | 1,055,000 | 1,045,000 | 1,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,473,000 | 52,530,000 | 51,501,000 | 51,188,000 |
| Interest-bearing deposits | 44,779,000 | 46,171,000 | 45,084,000 | 44,580,000 |
| Noninterest-bearing deposits | 5,694,000 | 6,359,000 | 6,417,000 | 6,608,000 |
| Equity capital | 6,267,000 | 6,469,000 | 6,800,000 | 6,282,000 |
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 | 1,087,000 | 2,170,000 | 3,233,000 | 4,250,000 |
| Interest expense | 596,000 | 1,211,000 | 1,806,000 | 2,328,000 |
| Net interest income | 491,000 | 959,000 | 1,427,000 | 1,922,000 |
| Noninterest income | 52,000 | 106,000 | 167,000 | 235,000 |
| Noninterest expense | 242,000 | 477,000 | 720,000 | 1,082,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 40,000 |
| Pretax income | 298,000 | 592,000 | 878,000 | 1,059,000 |
| Income tax | 60,000 | 145,000 | 209,000 | 279,000 |
| Net income | 238,000 | 447,000 | 669,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,086,000 | 6,295,000 | 6,517,000 | 6,144,000 |
| Total capital | 6,406,000 | 6,612,000 | 6,835,000 | 6,469,000 |
| Risk-weighted assets | 36,409,000 | 37,973,000 | 40,257,000 | 37,424,000 |