Call reports 2001
ONELOCAL BANK — 2001
What ONELOCAL 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 | 243,979,000 | 253,280,000 | 255,726,000 | 254,185,000 |
| Total loans | 185,623,000 | 184,891,000 | 186,099,000 | 190,159,000 |
| Allowance for loan losses | 2,415,000 | 2,465,000 | 2,540,000 | 2,615,000 |
| Securities available for sale | 37,500,000 | 37,627,000 | 37,286,000 | 45,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,051,000 | 209,282,000 | 215,674,000 | 213,706,000 |
| Interest-bearing deposits | 187,346,000 | 195,820,000 | 198,096,000 | 197,402,000 |
| Noninterest-bearing deposits | 13,705,000 | 13,462,000 | 17,578,000 | 16,304,000 |
| Equity capital | 31,705,000 | 32,746,000 | 33,643,000 | 34,324,000 |
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 | 4,602,000 | 9,469,000 | 14,078,000 | 18,459,000 |
| Interest expense | 2,199,000 | 4,453,000 | 6,622,000 | 8,586,000 |
| Net interest income | 2,403,000 | 5,016,000 | 7,456,000 | 9,873,000 |
| Noninterest income | 431,000 | 781,000 | 1,190,000 | 1,569,000 |
| Noninterest expense | 1,411,000 | 2,782,000 | 4,240,000 | 5,846,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 200,000 |
| Pretax income | 1,423,000 | 2,965,000 | 4,463,000 | 6,038,000 |
| Income tax | 446,000 | 945,000 | 1,439,000 | 2,029,000 |
| Net income | 977,000 | 2,020,000 | 3,024,000 | 4,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,314,000 | 32,355,000 | 32,801,000 | 34,078,000 |
| Total capital | 33,468,000 | 34,551,000 | 35,039,000 | 36,464,000 |
| Risk-weighted assets | 172,079,000 | 175,401,000 | 178,699,000 | 190,618,000 |