Call reports 2001
BANK OF ERATH — 2001
What BANK OF ERATH 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 | 55,070,000 | 55,661,000 | 57,916,000 | 58,549,000 |
| Total loans | 23,325,000 | 22,304,000 | 21,877,000 | 22,366,000 |
| Allowance for loan losses | 407,000 | 360,000 | 366,000 | 361,000 |
| Securities available for sale | 20,359,000 | 22,059,000 | 29,269,000 | 28,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,736,000 | 47,071,000 | 48,751,000 | 49,668,000 |
| Interest-bearing deposits | 37,187,000 | 37,491,000 | 37,795,000 | 38,395,000 |
| Noninterest-bearing deposits | 9,549,000 | 9,580,000 | 10,956,000 | 11,273,000 |
| Equity capital | 7,858,000 | 7,995,000 | 8,373,000 | 8,097,000 |
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 | 966,000 | 1,908,000 | 2,835,000 | 3,731,000 |
| Interest expense | 413,000 | 820,000 | 1,162,000 | 1,454,000 |
| Net interest income | 553,000 | 1,088,000 | 1,673,000 | 2,277,000 |
| Noninterest income | 96,000 | 192,000 | 292,000 | 382,000 |
| Noninterest expense | 498,000 | 970,000 | 1,458,000 | 1,952,000 |
| Provision for loan losses | 22,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 129,000 | 280,000 | 477,000 | 677,000 |
| Income tax | 42,000 | 72,000 | 120,000 | 179,000 |
| Net income | 87,000 | 208,000 | 357,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,694,000 | 7,828,000 | 7,981,000 | 7,884,000 |
| Total capital | 8,036,000 | 8,188,000 | 8,347,000 | 8,245,000 |
| Risk-weighted assets | 27,270,000 | 29,328,000 | 29,856,000 | 29,663,000 |