Call reports 2001
BANK OF EPHRAIM — 2001
What BANK OF EPHRAIM 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 | 44,520,000 | 45,360,000 | 45,096,000 | 48,277,000 |
| Total loans | 28,502,000 | 30,067,000 | 34,361,000 | 35,595,000 |
| Allowance for loan losses | 684,000 | 700,000 | 808,000 | 885,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,113,000 | 2,457,000 | 2,192,000 | 2,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,522,000 | 40,191,000 | 39,783,000 | 43,142,000 |
| Interest-bearing deposits | 30,546,000 | 31,223,000 | 31,091,000 | 32,416,000 |
| Noninterest-bearing deposits | 8,976,000 | 8,968,000 | 8,691,000 | 10,726,000 |
| Equity capital | 4,762,000 | 4,828,000 | 4,978,000 | 4,879,000 |
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 | 888,000 | 1,777,000 | 2,703,000 | 3,624,000 |
| Interest expense | 348,000 | 697,000 | 1,044,000 | 1,340,000 |
| Net interest income | 540,000 | 1,080,000 | 1,659,000 | 2,284,000 |
| Noninterest income | 97,000 | 220,000 | 338,000 | 394,000 |
| Noninterest expense | 392,000 | 806,000 | 1,287,000 | 1,744,000 |
| Provision for loan losses | 70,000 | 85,000 | 100,000 | 418,000 |
| Pretax income | 175,000 | 409,000 | 610,000 | 516,000 |
| Income tax | 0 | 118,000 | 169,000 | 124,000 |
| Net income | 175,000 | 291,000 | 441,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,762,000 | 4,828,000 | 4,978,000 | 4,879,000 |
| Total capital | 5,112,000 | 5,248,000 | 5,438,000 | 5,359,000 |
| Risk-weighted assets | 27,652,000 | 33,314,000 | 36,468,000 | 38,026,000 |