Call reports 2001
METCALF BANK — 2001
What METCALF 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 | 199,582,000 | 205,174,000 | 206,508,000 | 219,045,000 |
| Total loans | 123,719,000 | 125,728,000 | 122,545,000 | 120,149,000 |
| Allowance for loan losses | 1,901,000 | 1,940,000 | 2,025,000 | 2,065,000 |
| Securities available for sale | 42,317,000 | 40,633,000 | 41,459,000 | 50,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,295,000 | 175,137,000 | 178,166,000 | 185,952,000 |
| Interest-bearing deposits | 126,033,000 | 123,870,000 | 134,809,000 | 136,982,000 |
| Noninterest-bearing deposits | 46,262,000 | 51,267,000 | 43,357,000 | 48,970,000 |
| Equity capital | 14,802,000 | 15,193,000 | 16,024,000 | 17,421,000 |
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 | 3,566,000 | 7,141,000 | 10,537,000 | 13,804,000 |
| Interest expense | 1,454,000 | 2,808,000 | 4,061,000 | 5,210,000 |
| Net interest income | 2,112,000 | 4,333,000 | 6,476,000 | 8,594,000 |
| Noninterest income | 598,000 | 1,229,000 | 1,891,000 | 2,585,000 |
| Noninterest expense | 1,900,000 | 3,794,000 | 5,694,000 | 7,637,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 705,000 | 1,558,000 | 2,358,000 | 3,122,000 |
| Income tax | 19,000 | 46,000 | 70,000 | 93,000 |
| Net income | 686,000 | 1,512,000 | 2,288,000 | 3,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,748,000 | 14,124,000 | 14,461,000 | 16,201,000 |
| Total capital | 15,461,000 | 15,838,000 | 16,154,000 | 17,909,000 |
| Risk-weighted assets | 136,869,000 | 136,883,000 | 135,129,000 | 136,280,000 |