Call reports 2001
FIRST STATE BANK OF ROUND LAKE — 2001
What FIRST STATE BANK OF ROUND LAKE 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 | 92,925,000 | 91,375,000 | 93,206,000 | 95,574,000 |
| Total loans | 50,919,000 | 53,751,000 | 58,678,000 | 63,075,000 |
| Allowance for loan losses | 631,000 | 617,000 | 603,000 | 617,000 |
| Securities available for sale | 24,899,000 | 23,776,000 | 20,545,000 | 18,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,346,000 | 82,728,000 | 84,096,000 | 86,560,000 |
| Interest-bearing deposits | 74,100,000 | 73,247,000 | 73,388,000 | 75,217,000 |
| Noninterest-bearing deposits | 10,246,000 | 9,481,000 | 10,708,000 | 11,343,000 |
| Equity capital | 8,151,000 | 8,174,000 | 8,599,000 | 8,469,000 |
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 | 1,507,000 | 2,966,000 | 4,429,000 | 5,944,000 |
| Interest expense | 688,000 | 1,322,000 | 1,899,000 | 2,415,000 |
| Net interest income | 819,000 | 1,644,000 | 2,530,000 | 3,529,000 |
| Noninterest income | 212,000 | 448,000 | 707,000 | 975,000 |
| Noninterest expense | 829,000 | 1,755,000 | 2,581,000 | 3,601,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 265,000 | 385,000 | 787,000 | 1,067,000 |
| Income tax | 36,000 | 73,000 | 109,000 | 263,000 |
| Net income | 229,000 | 312,000 | 678,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,771,000 | 7,764,000 | 8,131,000 | 8,147,000 |
| Total capital | 8,402,000 | 8,381,000 | 8,734,000 | 8,765,000 |
| Risk-weighted assets | 62,348,000 | 64,484,000 | 86,491,000 | 88,696,000 |