Call reports 2001
EFS BANK — 2001
What EFS BANK 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 | 597,439,000 | 610,685,000 | 658,459,000 | 670,332,000 |
| Total loans | 474,478,000 | 497,618,000 | 528,654,000 | 539,308,000 |
| Allowance for loan losses | 1,971,000 | 1,991,000 | 2,110,000 | 2,255,000 |
| Securities available for sale | 68,460,000 | 73,168,000 | 67,383,000 | 81,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,591,000 | 388,724,000 | 414,562,000 | 427,118,000 |
| Interest-bearing deposits | 355,666,000 | 361,595,000 | 386,540,000 | 399,709,000 |
| Noninterest-bearing deposits | 24,925,000 | 27,129,000 | 28,022,000 | 27,409,000 |
| Equity capital | 62,237,000 | 62,624,000 | 63,771,000 | 64,244,000 |
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 | 10,625,000 | 21,451,000 | 32,608,000 | 43,946,000 |
| Interest expense | 6,488,000 | 12,877,000 | 19,315,000 | 25,434,000 |
| Net interest income | 4,137,000 | 8,574,000 | 13,293,000 | 18,512,000 |
| Noninterest income | 388,000 | 840,000 | 1,292,000 | 1,980,000 |
| Noninterest expense | 2,969,000 | 6,215,000 | 9,367,000 | 12,567,000 |
| Provision for loan losses | 90,000 | 195,000 | 330,000 | 500,000 |
| Pretax income | 1,466,000 | 3,004,000 | 4,888,000 | 7,458,000 |
| Income tax | 514,000 | 1,051,000 | 1,709,000 | 2,596,000 |
| Net income | 952,000 | 1,953,000 | 3,179,000 | 4,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,686,000 | 62,135,000 | 62,851,000 | 63,979,000 |
| Total capital | 63,657,000 | 64,126,000 | 64,961,000 | 66,234,000 |
| Risk-weighted assets | 381,753,000 | 402,948,000 | 426,187,000 | 454,431,000 |