Call reports 2001
FIRST CREDIT BANK — 2001
What FIRST CREDIT 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 | 273,348,000 | 259,752,000 | 255,167,000 | 247,206,000 |
| Total loans | 198,585,000 | 184,917,000 | 192,951,000 | 194,992,000 |
| Allowance for loan losses | 5,019,000 | 5,019,000 | 5,049,000 | 5,139,000 |
| Securities available for sale | 4,973,000 | 4,881,000 | 14,991,000 | 2,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,940,000 | 207,840,000 | 203,153,000 | 198,637,000 |
| Interest-bearing deposits | 214,691,000 | 198,663,000 | 193,830,000 | 190,235,000 |
| Noninterest-bearing deposits | 7,249,000 | 9,177,000 | 9,323,000 | 8,402,000 |
| Equity capital | 43,850,000 | 43,601,000 | 44,154,000 | 44,289,000 |
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 | 6,788,000 | 12,143,000 | 16,879,000 | 20,995,000 |
| Interest expense | 3,727,000 | 6,916,000 | 9,706,000 | 11,934,000 |
| Net interest income | 3,061,000 | 5,227,000 | 7,173,000 | 9,061,000 |
| Noninterest income | 49,000 | 94,000 | 149,000 | 184,000 |
| Noninterest expense | 613,000 | 1,063,000 | 1,685,000 | 2,491,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 120,000 |
| Pretax income | 2,497,000 | 4,258,000 | 5,607,000 | 7,715,000 |
| Income tax | 83,000 | 162,000 | 210,000 | 689,000 |
| Net income | 2,414,000 | 4,096,000 | 5,397,000 | 7,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,214,000 | 43,036,000 | 43,502,000 | 44,204,000 |
| Total capital | 46,584,000 | 46,226,000 | 46,779,000 | 47,036,000 |
| Risk-weighted assets | 227,507,000 | 215,087,000 | 221,422,000 | 219,219,000 |
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