Call reports 2001
STATE BANK OF CARBONDALE — 2001
What STATE BANK OF CARBONDALE 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 | 14,605,000 | 14,651,000 | 15,375,000 | 15,463,000 |
| Total loans | 8,105,000 | 7,810,000 | 7,659,000 | 7,714,000 |
| Allowance for loan losses | 153,000 | 151,000 | 151,000 | 151,000 |
| Securities available for sale | 4,364,000 | 4,461,000 | 4,705,000 | 5,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,174,000 | 13,203,000 | 13,898,000 | 13,967,000 |
| Interest-bearing deposits | 11,432,000 | 11,277,000 | 11,705,000 | 12,065,000 |
| Noninterest-bearing deposits | 1,742,000 | 1,926,000 | 2,193,000 | 1,902,000 |
| Equity capital | 1,240,000 | 1,269,000 | 1,283,000 | 1,294,000 |
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 | 265,000 | 529,000 | 786,000 | 1,034,000 |
| Interest expense | 127,000 | 249,000 | 371,000 | 476,000 |
| Net interest income | 138,000 | 280,000 | 415,000 | 558,000 |
| Noninterest income | 38,000 | 76,000 | 115,000 | 158,000 |
| Noninterest expense | 142,000 | 291,000 | 441,000 | 602,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 34,000 | 65,000 | 89,000 | 114,000 |
| Income tax | 8,000 | 14,000 | 17,000 | 20,000 |
| Net income | 26,000 | 51,000 | 72,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,193,000 | 1,219,000 | 1,210,000 | 1,231,000 |
| Total capital | 1,290,000 | 1,315,000 | 1,307,000 | 1,328,000 |
| Risk-weighted assets | 7,743,000 | 7,624,000 | 7,686,000 | 7,734,000 |