Call reports 2001
INTERCHANGE BANK — 2001
What INTERCHANGE 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 | 799,110,000 | 812,706,000 | 811,600,000 | 829,945,000 |
| Total loans | 570,371,000 | 584,908,000 | 591,849,000 | 581,323,000 |
| Allowance for loan losses | 6,374,000 | 6,524,000 | 6,339,000 | 6,569,000 |
| Securities available for sale | 122,180,000 | 142,715,000 | 126,285,000 | 151,052,000 |
| Securities held to maturity | 43,604,000 | 46,523,000 | 40,196,000 | 38,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 701,622,000 | 710,220,000 | 707,239,000 | 727,205,000 |
| Interest-bearing deposits | 585,831,000 | 599,591,000 | 598,735,000 | 617,067,000 |
| Noninterest-bearing deposits | 115,791,000 | 110,629,000 | 108,504,000 | 110,138,000 |
| Equity capital | 63,481,000 | 65,077,000 | 67,395,000 | 66,449,000 |
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 | 14,602,000 | 29,153,000 | 43,396,000 | 57,402,000 |
| Interest expense | 6,486,000 | 12,626,000 | 18,294,000 | 23,444,000 |
| Net interest income | 8,116,000 | 16,527,000 | 25,102,000 | 33,958,000 |
| Noninterest income | 1,138,000 | 2,239,000 | 3,575,000 | 5,443,000 |
| Noninterest expense | 5,663,000 | 11,345,000 | 17,010,000 | 22,741,000 |
| Provision for loan losses | 180,000 | 380,000 | 590,000 | 1,075,000 |
| Pretax income | 3,476,000 | 7,159,000 | 11,309,000 | 15,817,000 |
| Income tax | 1,143,000 | 2,302,000 | 3,642,000 | 5,048,000 |
| Net income | 2,333,000 | 4,857,000 | 7,667,000 | 10,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,501,000 | 64,143,000 | 65,323,000 | 65,347,000 |
| Total capital | 68,875,000 | 70,667,000 | 71,662,000 | 71,916,000 |
| Risk-weighted assets | 535,118,000 | 548,757,000 | 567,730,000 | 570,518,000 |