Call reports 2001
BANK OF MODESTO — 2001
What BANK OF MODESTO 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 | 17,959,000 | 17,937,000 | 18,205,000 | 18,693,000 |
| Total loans | 10,434,000 | 10,898,000 | 11,649,000 | 11,942,000 |
| Allowance for loan losses | 85,000 | 85,000 | 85,000 | 85,000 |
| Securities available for sale | 5,000 | 5,000 | 5,000 | 5,000 |
| Securities held to maturity | 5,913,000 | 5,252,000 | 5,049,000 | 4,938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,159,000 | 15,084,000 | 15,281,000 | 15,847,000 |
| Interest-bearing deposits | 13,342,000 | 13,053,000 | 13,411,000 | 13,673,000 |
| Noninterest-bearing deposits | 1,817,000 | 2,031,000 | 1,870,000 | 2,174,000 |
| Equity capital | 2,444,000 | 2,503,000 | 2,565,000 | 2,515,000 |
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 | 317,000 | 636,000 | 960,000 | 1,282,000 |
| Interest expense | 137,000 | 273,000 | 409,000 | 536,000 |
| Net interest income | 180,000 | 363,000 | 551,000 | 746,000 |
| Noninterest income | 14,000 | 33,000 | 49,000 | 65,000 |
| Noninterest expense | 108,000 | 221,000 | 328,000 | 510,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 86,000 | 175,000 | 272,000 | 285,000 |
| Income tax | 16,000 | 46,000 | 81,000 | 84,000 |
| Net income | 70,000 | 129,000 | 191,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,444,000 | 2,503,000 | 2,565,000 | 2,515,000 |
| Total capital | 2,529,000 | 2,588,000 | 2,650,000 | 2,600,000 |
| Risk-weighted assets | 11,104,000 | 11,835,000 | 12,362,000 | 12,630,000 |
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