Call reports 2021
DURAND STATE BANK — 2021
What DURAND STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 130,754,000 | 128,571,000 | 138,916,000 | 135,829,000 |
| Total loans | 57,673,000 | 59,200,000 | 56,048,000 | 59,355,000 |
| Allowance for loan losses | 757,000 | 758,000 | 201,000 | 202,000 |
| Securities available for sale | 36,423,000 | 35,412,000 | 41,353,000 | 57,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,244,000 | 114,673,000 | 121,420,000 | 118,462,000 |
| Interest-bearing deposits | 97,074,000 | 95,789,000 | 102,402,000 | 100,580,000 |
| Noninterest-bearing deposits | 20,170,000 | 18,883,000 | 19,018,000 | 17,882,000 |
| Equity capital | 12,958,000 | 13,339,000 | 16,873,000 | 16,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,788,000 | 2,574,000 | 3,402,000 |
| Interest expense | 114,000 | 217,000 | 267,000 | 358,000 |
| Net interest income | 776,000 | 1,571,000 | 2,307,000 | 3,044,000 |
| Noninterest income | 82,000 | 169,000 | 281,000 | 392,000 |
| Noninterest expense | 642,000 | 1,267,000 | 2,510,000 | 3,375,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 200,000 |
| Pretax income | 216,000 | 473,000 | -122,000 | -139,000 |
| Income tax | 25,000 | 70,000 | 0 | 0 |
| Net income | 191,000 | 403,000 | -122,000 | -139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,644,000 | 12,857,000 | 11,803,000 | 11,611,000 |
| Total capital | 13,401,000 | 13,615,000 | — | — |
| Risk-weighted assets | 67,784,000 | 69,055,000 | — | — |
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