Call reports 2001
FIRST NATIONAL BANK OF BYERS, THE — 2001
What FIRST NATIONAL BANK OF BYERS, THE 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 | 48,179,000 | 47,474,000 | 48,168,000 | 49,013,000 |
| Total loans | 32,958,000 | 31,267,000 | 31,169,000 | 34,534,000 |
| Allowance for loan losses | 527,000 | 527,000 | 525,000 | 500,000 |
| Securities available for sale | 6,556,000 | 5,258,000 | 5,293,000 | 5,223,000 |
| Securities held to maturity | 1,500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,141,000 | 41,382,000 | 41,823,000 | 42,787,000 |
| Interest-bearing deposits | 31,067,000 | 30,590,000 | 30,543,000 | 30,867,000 |
| Noninterest-bearing deposits | 11,074,000 | 10,792,000 | 11,280,000 | 11,920,000 |
| Equity capital | 5,723,000 | 5,854,000 | 6,038,000 | 6,095,000 |
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 | 979,000 | 1,899,000 | 2,748,000 | 3,568,000 |
| Interest expense | 353,000 | 680,000 | 957,000 | 1,192,000 |
| Net interest income | 626,000 | 1,219,000 | 1,791,000 | 2,376,000 |
| Noninterest income | 90,000 | 190,000 | 291,000 | 388,000 |
| Noninterest expense | 457,000 | 937,000 | 1,403,000 | 1,953,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 234,000 | 447,000 | 654,000 | 786,000 |
| Income tax | 76,000 | 148,000 | 211,000 | 263,000 |
| Net income | 158,000 | 299,000 | 443,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,604,000 | 5,745,000 | 5,889,000 | 5,959,000 |
| Total capital | 6,040,000 | 6,163,000 | 6,310,000 | 6,420,000 |
| Risk-weighted assets | 34,763,000 | 33,348,000 | 33,603,000 | 36,871,000 |
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