Call reports 2001
DURAND STATE BANK — 2001
What DURAND STATE 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 | 61,256,000 | 60,775,000 | 61,170,000 | 63,900,000 |
| Total loans | 35,361,000 | 38,365,000 | 38,547,000 | 39,461,000 |
| Allowance for loan losses | 341,000 | 322,000 | 372,000 | 387,000 |
| Securities available for sale | 19,014,000 | 16,375,000 | 15,166,000 | 15,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,331,000 | 53,698,000 | 54,007,000 | 56,938,000 |
| Interest-bearing deposits | 48,257,000 | 49,307,000 | 49,599,000 | 52,248,000 |
| Noninterest-bearing deposits | 4,074,000 | 4,391,000 | 4,408,000 | 4,690,000 |
| Equity capital | 4,973,000 | 5,107,000 | 5,182,000 | 5,079,000 |
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 | 1,116,000 | 2,212,000 | 3,323,000 | 4,245,000 |
| Interest expense | 631,000 | 1,208,000 | 1,770,000 | 2,263,000 |
| Net interest income | 485,000 | 1,004,000 | 1,553,000 | 1,982,000 |
| Noninterest income | 42,000 | 87,000 | 137,000 | 262,000 |
| Noninterest expense | 390,000 | 780,000 | 1,205,000 | 1,617,000 |
| Provision for loan losses | 13,000 | 41,000 | 91,000 | 180,000 |
| Pretax income | 124,000 | 270,000 | 372,000 | 425,000 |
| Income tax | 38,000 | 72,000 | 114,000 | 97,000 |
| Net income | 86,000 | 198,000 | 258,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,946,000 | 5,058,000 | 5,118,000 | 5,089,000 |
| Total capital | 5,287,000 | 5,380,000 | 5,490,000 | 5,476,000 |
| Risk-weighted assets | 38,122,000 | 40,465,000 | 43,575,000 | 46,214,000 |