Call reports 2001
STATE BANK OF TOWER — 2001
What STATE BANK OF TOWER 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 | 38,743,000 | 43,307,000 | 42,032,000 | 43,673,000 |
| Total loans | 28,841,000 | 30,231,000 | 30,647,000 | 33,307,000 |
| Allowance for loan losses | 240,000 | 255,000 | 285,000 | 303,000 |
| Securities available for sale | 354,000 | 1,358,000 | 855,000 | 99,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,106,000 | 40,439,000 | 39,069,000 | 40,771,000 |
| Interest-bearing deposits | 28,634,000 | 32,076,000 | 30,626,000 | 31,678,000 |
| Noninterest-bearing deposits | 7,472,000 | 8,363,000 | 8,443,000 | 9,093,000 |
| Equity capital | 2,494,000 | 2,776,000 | 2,879,000 | 2,845,000 |
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 | 731,000 | 1,474,000 | 2,243,000 | 2,976,000 |
| Interest expense | 326,000 | 676,000 | 1,011,000 | 1,268,000 |
| Net interest income | 405,000 | 798,000 | 1,232,000 | 1,708,000 |
| Noninterest income | 72,000 | 155,000 | 228,000 | 299,000 |
| Noninterest expense | 300,000 | 603,000 | 893,000 | 1,234,000 |
| Provision for loan losses | 14,000 | 38,000 | 71,000 | 110,000 |
| Pretax income | 163,000 | 312,000 | 496,000 | 663,000 |
| Income tax | 16,000 | -40,000 | -40,000 | -40,000 |
| Net income | 147,000 | 352,000 | 536,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,482,000 | 2,770,000 | 2,871,000 | 2,845,000 |
| Total capital | 2,722,000 | 3,025,000 | 3,156,000 | 3,148,000 |
| Risk-weighted assets | 26,587,000 | 28,822,000 | 28,585,000 | 30,176,000 |