Call reports 2001
BANK OF CLINTON COUNTY, INC. — 2001
What BANK OF CLINTON COUNTY, INC. 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 | 41,759,000 | 41,791,000 | 43,398,000 | 41,278,000 |
| Total loans | 30,992,000 | 29,774,000 | 28,965,000 | 29,898,000 |
| Allowance for loan losses | 384,000 | 408,000 | 429,000 | 507,000 |
| Securities available for sale | 7,647,000 | 7,844,000 | 7,506,000 | 6,785,000 |
| Securities held to maturity | 85,000 | 85,000 | 85,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,829,000 | 36,114,000 | 38,231,000 | 36,240,000 |
| Interest-bearing deposits | 31,268,000 | 32,588,000 | 34,787,000 | 32,126,000 |
| Noninterest-bearing deposits | 3,561,000 | 3,526,000 | 3,444,000 | 4,114,000 |
| Equity capital | 4,076,000 | 4,008,000 | 4,107,000 | 4,063,000 |
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 | 936,000 | 1,815,000 | 2,666,000 | 3,463,000 |
| Interest expense | 468,000 | 911,000 | 1,338,000 | 1,720,000 |
| Net interest income | 468,000 | 904,000 | 1,328,000 | 1,743,000 |
| Noninterest income | 109,000 | 212,000 | 322,000 | 421,000 |
| Noninterest expense | 364,000 | 755,000 | 1,159,000 | 1,476,000 |
| Provision for loan losses | 54,000 | 175,000 | 231,000 | 317,000 |
| Pretax income | 159,000 | 186,000 | 260,000 | 371,000 |
| Income tax | 31,000 | 22,000 | 30,000 | 50,000 |
| Net income | 128,000 | 164,000 | 230,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,988,000 | 3,928,000 | 3,968,000 | 4,009,000 |
| Total capital | 4,372,000 | 4,301,000 | 4,334,000 | 4,381,000 |
| Risk-weighted assets | 31,402,000 | 29,780,000 | 29,221,000 | 29,608,000 |