Call reports 2001
COLDWATER NATIVE BANK, THE — 2001
What COLDWATER NATIVE BANK, 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 | 11,785,000 | 11,986,000 | 16,030,000 | 17,467,000 |
| Total loans | 2,888,000 | 2,647,000 | 3,044,000 | 3,274,000 |
| Allowance for loan losses | 20,000 | 21,000 | 75,000 | 77,000 |
| Securities available for sale | 5,133,000 | 5,631,000 | 8,950,000 | 9,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,582,000 | 9,794,000 | 12,665,000 | 14,081,000 |
| Interest-bearing deposits | 8,398,000 | 8,872,000 | 11,489,000 | 12,801,000 |
| Noninterest-bearing deposits | 1,184,000 | 922,000 | 1,176,000 | 1,280,000 |
| Equity capital | 2,095,000 | 2,091,000 | 3,160,000 | 3,185,000 |
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 | 189,000 | 367,000 | 733,000 | 965,000 |
| Interest expense | 93,000 | 179,000 | 349,000 | 432,000 |
| Net interest income | 96,000 | 188,000 | 384,000 | 533,000 |
| Noninterest income | 7,000 | 15,000 | 29,000 | 37,000 |
| Noninterest expense | 118,000 | 199,000 | 390,000 | 510,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -15,000 | 4,000 | 23,000 | 60,000 |
| Income tax | -6,000 | 0 | 8,000 | 24,000 |
| Net income | -9,000 | 4,000 | 15,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,040,000 | 2,053,000 | 3,016,000 | 3,037,000 |
| Total capital | 2,060,000 | 2,074,000 | 3,086,000 | 3,113,000 |
| Risk-weighted assets | 3,934,000 | 4,473,000 | 5,606,000 | 6,076,000 |