Call reports 2001
BANK OF ST. FRANCISVILLE — 2001
What BANK OF ST. FRANCISVILLE 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 | 47,874,000 | 45,888,000 | 43,374,000 | 47,093,000 |
| Total loans | 35,516,000 | 36,115,000 | 34,652,000 | 34,014,000 |
| Allowance for loan losses | 628,000 | 617,000 | 633,000 | 683,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,843,000 | 539,000 | 1,143,000 | 1,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,788,000 | 40,673,000 | 38,072,000 | 42,283,000 |
| Interest-bearing deposits | 33,711,000 | 32,527,000 | 29,693,000 | 32,712,000 |
| Noninterest-bearing deposits | 9,077,000 | 8,146,000 | 8,379,000 | 9,571,000 |
| Equity capital | 4,296,000 | 4,389,000 | 4,483,000 | 4,033,000 |
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 | 951,000 | 1,895,000 | 2,791,000 | 3,666,000 |
| Interest expense | 372,000 | 743,000 | 1,063,000 | 1,325,000 |
| Net interest income | 579,000 | 1,152,000 | 1,728,000 | 2,341,000 |
| Noninterest income | 160,000 | 322,000 | 480,000 | 651,000 |
| Noninterest expense | 506,000 | 1,019,000 | 1,568,000 | 2,155,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 188,000 | 365,000 | 505,000 | 657,000 |
| Income tax | 64,000 | 123,000 | 169,000 | 221,000 |
| Net income | 124,000 | 242,000 | 336,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,296,000 | 4,389,000 | 4,483,000 | 4,033,000 |
| Total capital | 4,716,000 | 4,812,000 | 4,890,000 | 4,439,000 |
| Risk-weighted assets | 33,379,000 | 33,620,000 | 32,357,000 | 32,227,000 |