Call reports 2001
HEIGHTS BANK, THE — 2001
What HEIGHTS 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 | 40,244,000 | 38,510,000 | 38,878,000 | 37,926,000 |
| Total loans | 28,721,000 | 28,520,000 | 28,060,000 | 27,724,000 |
| Allowance for loan losses | 397,000 | 413,000 | 421,000 | 433,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,341,000 | 6,979,000 | 6,962,000 | 5,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,614,000 | 33,888,000 | 34,211,000 | 32,090,000 |
| Interest-bearing deposits | 33,080,000 | 30,137,000 | 29,790,000 | 27,943,000 |
| Noninterest-bearing deposits | 3,534,000 | 3,751,000 | 4,421,000 | 4,147,000 |
| Equity capital | 3,473,000 | 3,436,000 | 3,485,000 | 3,630,000 |
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 | 751,000 | 1,474,000 | 2,173,000 | 2,840,000 |
| Interest expense | 466,000 | 878,000 | 1,277,000 | 1,578,000 |
| Net interest income | 285,000 | 596,000 | 896,000 | 1,262,000 |
| Noninterest income | 41,000 | 84,000 | 125,000 | 162,000 |
| Noninterest expense | 181,000 | 360,000 | 533,000 | 721,000 |
| Provision for loan losses | 19,000 | 39,000 | 58,000 | 78,000 |
| Pretax income | 127,000 | 290,000 | 439,000 | 634,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 119,000 | 282,000 | 431,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,473,000 | 3,436,000 | 3,485,000 | 3,630,000 |
| Total capital | 3,759,000 | 3,714,000 | 3,780,000 | 3,901,000 |
| Risk-weighted assets | 22,592,000 | 22,132,000 | 23,461,000 | 21,492,000 |