Call reports 2001
DECATUR STATE BANK — 2001
What DECATUR STATE BANK 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 | 125,419,000 | 124,359,000 | 132,226,000 | 130,231,000 |
| Total loans | 95,740,000 | 98,193,000 | 99,743,000 | 99,684,000 |
| Allowance for loan losses | 805,000 | 666,000 | 539,000 | 928,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,178,000 | 18,668,000 | 18,478,000 | 18,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,124,000 | 106,842,000 | 114,437,000 | 112,511,000 |
| Interest-bearing deposits | 102,032,000 | 98,567,000 | 104,554,000 | 103,468,000 |
| Noninterest-bearing deposits | 8,092,000 | 8,275,000 | 9,883,000 | 9,043,000 |
| Equity capital | 14,729,000 | 15,041,000 | 15,337,000 | 15,249,000 |
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 | 2,505,000 | 5,018,000 | 7,498,000 | 9,922,000 |
| Interest expense | 1,515,000 | 2,963,000 | 4,324,000 | 5,588,000 |
| Net interest income | 990,000 | 2,055,000 | 3,174,000 | 4,334,000 |
| Noninterest income | 288,000 | 555,000 | 848,000 | 1,118,000 |
| Noninterest expense | 787,000 | 1,557,000 | 2,383,000 | 3,432,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 860,000 |
| Pretax income | 416,000 | 903,000 | 1,339,000 | 1,160,000 |
| Income tax | 145,000 | 319,000 | 460,000 | 369,000 |
| Net income | 271,000 | 584,000 | 879,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,729,000 | 15,041,000 | 15,337,000 | 15,249,000 |
| Total capital | 15,534,000 | 15,707,000 | 15,876,000 | 16,177,000 |
| Risk-weighted assets | 94,016,000 | 96,383,000 | 99,755,000 | 99,278,000 |