Call reports 2001
ANDALUSIA COMMUNITY BANK — 2001
What ANDALUSIA COMMUNITY 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 | 19,604,000 | 20,383,000 | 20,462,000 | 20,857,000 |
| Total loans | 8,420,000 | 8,363,000 | 8,661,000 | 8,491,000 |
| Allowance for loan losses | 86,000 | 86,000 | 87,000 | 103,000 |
| Securities available for sale | 7,640,000 | 7,780,000 | 7,537,000 | 7,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,441,000 | 17,172,000 | 17,079,000 | 17,525,000 |
| Interest-bearing deposits | 14,635,000 | 15,290,000 | 15,211,000 | 15,478,000 |
| Noninterest-bearing deposits | 1,806,000 | 1,882,000 | 1,868,000 | 2,047,000 |
| Equity capital | 2,866,000 | 2,936,000 | 3,069,000 | 3,080,000 |
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 | 357,000 | 723,000 | 1,082,000 | 1,410,000 |
| Interest expense | 175,000 | 347,000 | 503,000 | 651,000 |
| Net interest income | 182,000 | 376,000 | 579,000 | 759,000 |
| Noninterest income | 41,000 | 83,000 | 121,000 | 158,000 |
| Noninterest expense | 145,000 | 278,000 | 413,000 | 550,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 78,000 | 181,000 | 287,000 | 381,000 |
| Income tax | 11,000 | 32,000 | 56,000 | 78,000 |
| Net income | 67,000 | 149,000 | 231,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,731,000 | 2,813,000 | 2,895,000 | 2,967,000 |
| Total capital | 2,817,000 | 2,899,000 | 2,982,000 | 3,070,000 |
| Risk-weighted assets | 9,408,000 | 9,731,000 | 9,974,000 | 9,823,000 |