Call reports 2001
CITIZENS BANK OF SPENCER — 2001
What CITIZENS BANK OF SPENCER 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 | 27,897,000 | 27,763,000 | 28,390,000 | 28,755,000 |
| Total loans | 13,153,000 | 12,897,000 | 12,965,000 | 12,596,000 |
| Allowance for loan losses | 740,000 | 689,000 | 777,000 | 731,000 |
| Securities available for sale | 9,597,000 | 10,124,000 | 9,893,000 | 10,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,016,000 | 23,847,000 | 24,342,000 | 24,564,000 |
| Interest-bearing deposits | 21,544,000 | 21,369,000 | 21,863,000 | 22,043,000 |
| Noninterest-bearing deposits | 2,472,000 | 2,478,000 | 2,479,000 | 2,521,000 |
| Equity capital | 3,492,000 | 3,537,000 | 3,624,000 | 3,800,000 |
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 | 477,000 | 951,000 | 1,443,000 | 1,898,000 |
| Interest expense | 241,000 | 485,000 | 715,000 | 900,000 |
| Net interest income | 236,000 | 466,000 | 728,000 | 998,000 |
| Noninterest income | 58,000 | 133,000 | 226,000 | 316,000 |
| Noninterest expense | 228,000 | 495,000 | 747,000 | 962,000 |
| Provision for loan losses | 51,000 | 66,000 | 81,000 | 96,000 |
| Pretax income | 15,000 | 38,000 | 126,000 | 349,000 |
| Income tax | -8,000 | -9,000 | 56,000 | 79,000 |
| Net income | 23,000 | 47,000 | 70,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,309,000 | 3,337,000 | 3,360,000 | 3,561,000 |
| Total capital | 3,463,000 | 3,492,000 | 3,542,000 | 3,746,000 |
| Risk-weighted assets | 11,575,000 | 11,760,000 | 14,093,000 | 14,151,000 |