Call reports 2001
EASTERN MICHIGAN BANK — 2001
What EASTERN MICHIGAN 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 | 173,975,000 | 178,191,000 | 189,360,000 | 195,647,000 |
| Total loans | 130,416,000 | 134,709,000 | 139,906,000 | 145,590,000 |
| Allowance for loan losses | 1,720,000 | 1,629,000 | 1,808,000 | 1,825,000 |
| Securities available for sale | 24,639,000 | 22,523,000 | 20,880,000 | 25,021,000 |
| Securities held to maturity | 9,589,000 | 9,164,000 | 9,912,000 | 7,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,080,000 | 158,934,000 | 169,535,000 | 176,257,000 |
| Interest-bearing deposits | 139,393,000 | 141,183,000 | 150,989,000 | 157,564,000 |
| Noninterest-bearing deposits | 15,687,000 | 17,750,000 | 18,546,000 | 18,693,000 |
| Equity capital | 17,936,000 | 18,374,000 | 18,920,000 | 18,617,000 |
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 | 3,222,000 | 6,441,000 | 9,713,000 | 12,958,000 |
| Interest expense | 1,506,000 | 2,917,000 | 4,347,000 | 5,703,000 |
| Net interest income | 1,716,000 | 3,524,000 | 5,366,000 | 7,255,000 |
| Noninterest income | 239,000 | 462,000 | 772,000 | 1,013,000 |
| Noninterest expense | 1,148,000 | 2,312,000 | 3,537,000 | 4,718,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 757,000 | 1,574,000 | 2,451,000 | 3,350,000 |
| Income tax | 220,000 | 464,000 | 725,000 | 985,000 |
| Net income | 537,000 | 1,110,000 | 1,726,000 | 2,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,670,000 | 18,064,000 | 18,498,000 | 18,273,000 |
| Total capital | 19,138,000 | 19,552,000 | 20,069,000 | 19,898,000 |
| Risk-weighted assets | 117,150,000 | 119,891,000 | 125,290,000 | 129,897,000 |