Call reports 2001
BANK OF CHOICE — 2001
What BANK OF CHOICE 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 | 74,077,000 | 83,263,000 | 92,541,000 | 100,408,000 |
| Total loans | 56,713,000 | 65,105,000 | 62,550,000 | 65,490,000 |
| Allowance for loan losses | 547,000 | 616,000 | 640,000 | 644,000 |
| Securities available for sale | 1,005,000 | 510,000 | 508,000 | 503,000 |
| Securities held to maturity | 4,545,000 | 5,559,000 | 6,575,000 | 12,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,666,000 | 75,763,000 | 84,722,000 | 92,474,000 |
| Interest-bearing deposits | 60,160,000 | 67,075,000 | 76,362,000 | 81,897,000 |
| Noninterest-bearing deposits | 6,506,000 | 8,688,000 | 8,360,000 | 10,577,000 |
| Equity capital | 6,962,000 | 7,085,000 | 7,316,000 | 7,428,000 |
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 | 1,572,000 | 3,238,000 | 5,032,000 | 6,663,000 |
| Interest expense | 823,000 | 1,719,000 | 2,693,000 | 3,614,000 |
| Net interest income | 749,000 | 1,519,000 | 2,339,000 | 3,049,000 |
| Noninterest income | 48,000 | 116,000 | 195,000 | 283,000 |
| Noninterest expense | 460,000 | 1,028,000 | 1,514,000 | 2,103,000 |
| Provision for loan losses | 110,000 | 181,000 | 213,000 | 238,000 |
| Pretax income | 227,000 | 426,000 | 807,000 | 991,000 |
| Income tax | 93,000 | 170,000 | 318,000 | 386,000 |
| Net income | 134,000 | 256,000 | 489,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,717,000 | 6,821,000 | 7,073,000 | 7,195,000 |
| Total capital | 7,264,000 | 7,437,000 | 7,713,000 | 7,839,000 |
| Risk-weighted assets | 62,889,000 | 73,432,000 | 72,999,000 | 78,572,000 |