Call reports 2001
SAVINGS BANK AND TRUST, THE — 2001
What SAVINGS BANK AND TRUST, THE 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 | 157,909,000 | 159,254,000 | 166,723,000 | 169,495,000 |
| Total loans | 95,279,000 | 98,420,000 | 100,602,000 | 100,110,000 |
| Allowance for loan losses | 1,388,000 | 1,392,000 | 1,399,000 | 1,457,000 |
| Securities available for sale | 46,843,000 | 48,722,000 | 51,716,000 | 53,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,814,000 | 138,589,000 | 143,379,000 | 147,445,000 |
| Interest-bearing deposits | 115,241,000 | 117,709,000 | 109,788,000 | 130,841,000 |
| Noninterest-bearing deposits | 20,573,000 | 20,880,000 | 33,591,000 | 16,604,000 |
| Equity capital | 12,917,000 | 13,215,000 | 14,081,000 | 14,275,000 |
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 | 2,711,000 | 5,462,000 | 8,220,000 | 10,954,000 |
| Interest expense | 1,332,000 | 2,607,000 | 3,814,000 | 4,857,000 |
| Net interest income | 1,379,000 | 2,855,000 | 4,406,000 | 6,097,000 |
| Noninterest income | 233,000 | 431,000 | 654,000 | 869,000 |
| Noninterest expense | 1,010,000 | 2,028,000 | 3,072,000 | 4,145,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 86,000 |
| Pretax income | 593,000 | 1,240,000 | 1,961,000 | 2,735,000 |
| Income tax | 156,000 | 314,000 | 524,000 | 721,000 |
| Net income | 437,000 | 926,000 | 1,437,000 | 2,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,383,000 | 11,737,000 | 12,112,000 | 12,519,000 |
| Total capital | 12,501,000 | 12,931,000 | 13,336,000 | 13,762,000 |
| Risk-weighted assets | 89,194,000 | 95,300,000 | 97,744,000 | 99,243,000 |