Call reports 2001
RANCHERS BANKS — 2001
What RANCHERS BANKS 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 | 123,499,000 | 128,533,000 | 126,589,000 | 123,451,000 |
| Total loans | 81,125,000 | 83,462,000 | 77,804,000 | 67,538,000 |
| Allowance for loan losses | 1,162,000 | 1,138,000 | 861,000 | 4,177,000 |
| Securities available for sale | 0 | 0 | 0 | 36,862,000 |
| Securities held to maturity | 31,447,000 | 28,775,000 | 26,595,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,081,000 | 108,945,000 | 106,668,000 | 105,216,000 |
| Interest-bearing deposits | 82,183,000 | 90,358,000 | 87,126,000 | 86,751,000 |
| Noninterest-bearing deposits | 18,898,000 | 18,587,000 | 19,542,000 | 18,465,000 |
| Equity capital | 17,435,000 | 17,696,000 | 17,845,000 | 16,407,000 |
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 | 2,710,000 | 5,142,000 | 7,037,000 | 8,982,000 |
| Interest expense | 1,013,000 | 2,032,000 | 2,834,000 | 3,511,000 |
| Net interest income | 1,697,000 | 3,110,000 | 4,203,000 | 5,471,000 |
| Noninterest income | 196,000 | 557,000 | 1,079,000 | 1,546,000 |
| Noninterest expense | 1,313,000 | 2,558,000 | 3,856,000 | 5,233,000 |
| Provision for loan losses | 105,000 | 190,000 | 725,000 | 4,270,000 |
| Pretax income | 475,000 | 919,000 | 701,000 | -2,445,000 |
| Income tax | 225,000 | 408,000 | 41,000 | -1,407,000 |
| Net income | 250,000 | 511,000 | 660,000 | -1,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,435,000 | 17,696,000 | 17,845,000 | 16,147,000 |
| Total capital | 18,535,000 | 18,834,000 | 18,706,000 | 17,166,000 |
| Risk-weighted assets | 87,966,000 | 92,426,000 | 87,773,000 | 78,271,000 |