Call reports 2001
FIRST NATIONAL BANK OF OTIS — 2001
What FIRST NATIONAL BANK OF OTIS 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 | 22,151,000 | 21,761,000 | 21,632,000 | 21,913,000 |
| Total loans | 15,973,000 | 17,025,000 | 17,747,000 | 18,211,000 |
| Allowance for loan losses | 311,000 | 285,000 | 286,000 | 289,000 |
| Securities available for sale | 4,138,000 | 3,250,000 | 2,247,000 | 1,765,000 |
| Securities held to maturity | 63,000 | 63,000 | 12,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,114,000 | 18,640,000 | 18,549,000 | 18,593,000 |
| Interest-bearing deposits | 18,138,000 | 17,706,000 | 17,658,000 | 17,412,000 |
| Noninterest-bearing deposits | 976,000 | 934,000 | 891,000 | 1,181,000 |
| Equity capital | 2,701,000 | 2,675,000 | 2,570,000 | 2,573,000 |
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 | 496,000 | 929,000 | 1,355,000 | 1,758,000 |
| Interest expense | 220,000 | 416,000 | 594,000 | 757,000 |
| Net interest income | 276,000 | 513,000 | 761,000 | 1,001,000 |
| Noninterest income | 34,000 | 71,000 | 100,000 | 139,000 |
| Noninterest expense | 143,000 | 288,000 | 430,000 | 567,000 |
| Provision for loan losses | 26,000 | 50,000 | 86,000 | 123,000 |
| Pretax income | 141,000 | 246,000 | 345,000 | 450,000 |
| Income tax | 59,000 | 98,000 | 117,000 | 143,000 |
| Net income | 82,000 | 148,000 | 228,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,677,000 | 2,651,000 | 2,541,000 | 2,550,000 |
| Total capital | 2,891,000 | 2,876,000 | 2,776,000 | 2,789,000 |
| Risk-weighted assets | 17,007,000 | 17,919,000 | 18,807,000 | 19,042,000 |