Call reports 2001
CITIZENS EXCHANGE BANK, THE — 2001
What CITIZENS EXCHANGE 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 | 46,494,000 | 47,811,000 | 48,785,000 | 52,517,000 |
| Total loans | 28,199,000 | 28,830,000 | 28,885,000 | 28,133,000 |
| Allowance for loan losses | 621,000 | 633,000 | 641,000 | 650,000 |
| Securities available for sale | 11,067,000 | 10,572,000 | 9,246,000 | 11,376,000 |
| Securities held to maturity | 3,528,000 | 3,538,000 | 3,408,000 | 3,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,785,000 | 42,094,000 | 42,862,000 | 46,838,000 |
| Interest-bearing deposits | 35,676,000 | 36,891,000 | 37,771,000 | 39,745,000 |
| Noninterest-bearing deposits | 5,109,000 | 5,203,000 | 5,091,000 | 7,093,000 |
| Equity capital | 5,294,000 | 5,349,000 | 5,493,000 | 5,467,000 |
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 | 981,000 | 1,864,000 | 2,734,000 | 3,564,000 |
| Interest expense | 421,000 | 859,000 | 1,302,000 | 1,709,000 |
| Net interest income | 560,000 | 1,005,000 | 1,432,000 | 1,855,000 |
| Noninterest income | 39,000 | 76,000 | 109,000 | 151,000 |
| Noninterest expense | 378,000 | 719,000 | 994,000 | 1,359,000 |
| Provision for loan losses | 71,000 | 93,000 | 138,000 | 138,000 |
| Pretax income | 150,000 | 279,000 | 419,000 | 519,000 |
| Income tax | 44,000 | 89,000 | 134,000 | 188,000 |
| Net income | 106,000 | 190,000 | 285,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,216,000 | 5,300,000 | 5,395,000 | 5,441,000 |
| Total capital | 5,546,000 | 5,640,000 | 5,743,000 | 5,796,000 |
| Risk-weighted assets | 26,127,000 | 26,882,000 | 27,571,000 | 28,133,000 |