Call reports 2001
BANK OF SAINT ELIZABETH — 2001
What BANK OF SAINT ELIZABETH 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 | 38,021,000 | 43,013,000 | 43,547,000 | 42,843,000 |
| Total loans | 28,323,000 | 29,744,000 | 30,766,000 | 30,538,000 |
| Allowance for loan losses | 450,000 | 450,000 | 450,000 | 450,000 |
| Securities available for sale | 7,092,000 | 7,246,000 | 7,345,000 | 9,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,584,000 | 32,511,000 | 32,869,000 | 32,276,000 |
| Interest-bearing deposits | 27,943,000 | 28,891,000 | 29,315,000 | 28,180,000 |
| Noninterest-bearing deposits | 3,641,000 | 3,620,000 | 3,554,000 | 4,096,000 |
| Equity capital | 5,283,000 | 5,405,000 | 5,569,000 | 5,551,000 |
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 | 749,000 | 1,526,000 | 2,307,000 | 3,083,000 |
| Interest expense | 362,000 | 750,000 | 1,166,000 | 1,537,000 |
| Net interest income | 387,000 | 776,000 | 1,141,000 | 1,546,000 |
| Noninterest income | 45,000 | 87,000 | 125,000 | 172,000 |
| Noninterest expense | 240,000 | 489,000 | 709,000 | 1,131,000 |
| Provision for loan losses | -7,000 | -12,000 | 16,000 | 31,000 |
| Pretax income | 226,000 | 451,000 | 634,000 | 649,000 |
| Income tax | 70,000 | 151,000 | 212,000 | 229,000 |
| Net income | 156,000 | 300,000 | 422,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,195,000 | 5,340,000 | 5,455,000 | 5,452,000 |
| Total capital | 5,533,000 | 5,714,000 | 5,820,000 | 5,788,000 |
| Risk-weighted assets | 26,689,000 | 29,859,000 | 29,144,000 | 26,738,000 |