Call reports 2001
CHOICEONE BANK — 2001
What CHOICEONE BANK 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 | 200,968,000 | 201,607,000 | 204,199,000 | 197,624,000 |
| Total loans | 173,460,000 | 172,452,000 | 171,319,000 | 165,855,000 |
| Allowance for loan losses | 2,177,000 | 2,010,000 | 2,122,000 | 2,013,000 |
| Securities available for sale | 11,481,000 | 11,018,000 | 16,465,000 | 17,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,313,000 | 132,808,000 | 138,257,000 | 136,013,000 |
| Interest-bearing deposits | 121,545,000 | 117,123,000 | 123,631,000 | 119,964,000 |
| Noninterest-bearing deposits | 13,768,000 | 15,685,000 | 14,626,000 | 16,049,000 |
| Equity capital | 17,607,000 | 17,616,000 | 17,860,000 | 18,090,000 |
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 | 4,215,000 | 8,286,000 | 12,319,000 | 16,116,000 |
| Interest expense | 2,313,000 | 4,511,000 | 6,626,000 | 8,518,000 |
| Net interest income | 1,902,000 | 3,775,000 | 5,693,000 | 7,598,000 |
| Noninterest income | 586,000 | 1,226,000 | 1,837,000 | 2,638,000 |
| Noninterest expense | 1,724,000 | 3,515,000 | 5,335,000 | 7,126,000 |
| Provision for loan losses | 150,000 | 450,000 | 675,000 | 1,003,000 |
| Pretax income | 614,000 | 1,044,000 | 1,529,000 | 2,116,000 |
| Income tax | 184,000 | 309,000 | 444,000 | 614,000 |
| Net income | 430,000 | 735,000 | 1,085,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,175,000 | 16,962,000 | 17,187,000 | 17,611,000 |
| Total capital | 19,070,000 | 18,851,000 | 19,119,000 | 19,510,000 |
| Risk-weighted assets | 151,348,000 | 151,013,000 | 154,391,000 | 151,772,000 |
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