Call reports 2001
CLYDE SAVINGS BANK COMPANY, THE — 2001
What CLYDE SAVINGS BANK COMPANY, 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 | 98,294,000 | 95,758,000 | 97,489,000 | 92,835,000 |
| Total loans | 78,320,000 | 76,654,000 | 77,784,000 | 77,671,000 |
| Allowance for loan losses | 1,167,000 | 1,118,000 | 1,111,000 | 1,118,000 |
| Securities available for sale | 9,699,000 | 9,310,000 | 10,076,000 | 10,431,000 |
| Securities held to maturity | 100,000 | 44,000 | 33,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,307,000 | 79,507,000 | 81,079,000 | 76,549,000 |
| Interest-bearing deposits | 76,468,000 | 72,921,000 | 73,512,000 | 69,697,000 |
| Noninterest-bearing deposits | 5,839,000 | 6,586,000 | 7,567,000 | 6,852,000 |
| Equity capital | 8,371,000 | 8,432,000 | 7,959,000 | 7,919,000 |
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 | 2,126,000 | 4,162,000 | 6,166,000 | 8,060,000 |
| Interest expense | 1,011,000 | 1,911,000 | 2,731,000 | 3,464,000 |
| Net interest income | 1,115,000 | 2,251,000 | 3,435,000 | 4,596,000 |
| Noninterest income | 199,000 | 437,000 | 669,000 | 890,000 |
| Noninterest expense | 680,000 | 1,406,000 | 2,417,000 | 3,250,000 |
| Provision for loan losses | 25,000 | 48,000 | 86,000 | 158,000 |
| Pretax income | 609,000 | 1,234,000 | 1,601,000 | 2,078,000 |
| Income tax | 208,000 | 421,000 | 547,000 | 712,000 |
| Net income | 401,000 | 813,000 | 1,054,000 | 1,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,223,000 | 8,273,000 | 7,742,000 | 7,763,000 |
| Total capital | 9,237,000 | 9,246,000 | 8,742,000 | 8,756,000 |
| Risk-weighted assets | 80,980,000 | 77,657,000 | 79,868,000 | 79,322,000 |