Call reports 2001
FIRST BANK OF BANCROFT — 2001
What FIRST BANK OF BANCROFT 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 | 15,056,000 | 14,568,000 | 14,428,000 | 15,360,000 |
| Total loans | 8,750,000 | 9,705,000 | 9,411,000 | 9,431,000 |
| Allowance for loan losses | 184,000 | 182,000 | 171,000 | 181,000 |
| Securities available for sale | 4,012,000 | 3,531,000 | 3,526,000 | 3,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,166,000 | 11,380,000 | 11,411,000 | 12,307,000 |
| Interest-bearing deposits | 10,391,000 | 10,098,000 | 10,042,000 | 10,731,000 |
| Noninterest-bearing deposits | 1,775,000 | 1,282,000 | 1,369,000 | 1,576,000 |
| Equity capital | 2,596,000 | 2,637,000 | 2,686,000 | 2,612,000 |
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 | 309,000 | 588,000 | 849,000 | 1,097,000 |
| Interest expense | 122,000 | 237,000 | 336,000 | 425,000 |
| Net interest income | 187,000 | 351,000 | 513,000 | 672,000 |
| Noninterest income | 10,000 | 19,000 | 31,000 | 41,000 |
| Noninterest expense | 119,000 | 242,000 | 366,000 | 496,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 78,000 | 128,000 | 178,000 | 212,000 |
| Income tax | 22,000 | 33,000 | 45,000 | 43,000 |
| Net income | 56,000 | 95,000 | 133,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,573,000 | 2,612,000 | 2,650,000 | 2,587,000 |
| Total capital | 2,713,000 | 2,760,000 | 2,796,000 | 2,732,000 |
| Risk-weighted assets | 11,176,000 | 11,831,000 | 11,644,000 | 11,573,000 |