Call reports 2001
STATE BANK OF HOWARDS GROVE — 2001
What STATE BANK OF HOWARDS GROVE 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 | 61,918,000 | 65,553,000 | 66,398,000 | 68,365,000 |
| Total loans | 44,266,000 | 43,666,000 | 44,587,000 | 44,504,000 |
| Allowance for loan losses | 643,000 | 658,000 | 664,000 | 684,000 |
| Securities available for sale | 9,476,000 | 10,671,000 | 13,816,000 | 8,404,000 |
| Securities held to maturity | 3,009,000 | 2,020,000 | 1,380,000 | 8,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,996,000 | 45,102,000 | 46,248,000 | 51,805,000 |
| Interest-bearing deposits | 39,673,000 | 40,433,000 | 41,775,000 | 46,866,000 |
| Noninterest-bearing deposits | 4,323,000 | 4,668,000 | 4,473,000 | 4,939,000 |
| Equity capital | 4,911,000 | 5,107,000 | 5,464,000 | 5,262,000 |
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 | 1,192,000 | 2,368,000 | 3,513,000 | 4,623,000 |
| Interest expense | 674,000 | 1,284,000 | 1,855,000 | 2,327,000 |
| Net interest income | 518,000 | 1,084,000 | 1,658,000 | 2,296,000 |
| Noninterest income | 129,000 | 243,000 | 402,000 | 576,000 |
| Noninterest expense | 410,000 | 844,000 | 1,282,000 | 1,943,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 222,000 | 453,000 | 733,000 | 868,000 |
| Income tax | 66,000 | 134,000 | 211,000 | 247,000 |
| Net income | 156,000 | 319,000 | 522,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,811,000 | 4,982,000 | 5,184,000 | 5,133,000 |
| Total capital | 5,376,000 | 5,551,000 | 5,767,000 | 5,722,000 |
| Risk-weighted assets | 45,085,000 | 45,408,000 | 46,591,000 | 46,997,000 |