Call reports 2001
SIGNAL BANK SOUTH NATIONAL ASSOCIATION — 2001
What SIGNAL BANK SOUTH NATIONAL ASSOCIATION 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 | 320,610,000 | 326,499,000 | 339,588,000 | 326,744,000 |
| Total loans | 191,074,000 | 216,792,000 | 222,021,000 | 220,884,000 |
| Allowance for loan losses | 1,953,000 | 2,074,000 | 2,208,000 | 2,174,000 |
| Securities available for sale | 82,135,000 | 81,998,000 | 90,568,000 | 83,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,493,000 | 247,618,000 | 242,534,000 | 251,690,000 |
| Interest-bearing deposits | 215,601,000 | 210,760,000 | 204,900,000 | 209,615,000 |
| Noninterest-bearing deposits | 33,892,000 | 36,858,000 | 37,634,000 | 42,074,000 |
| Equity capital | 25,133,000 | 25,912,000 | 26,836,000 | 27,532,000 |
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 | 5,671,000 | 11,282,000 | 16,931,000 | 21,925,000 |
| Interest expense | 3,072,000 | 5,911,000 | 8,526,000 | 10,575,000 |
| Net interest income | 2,599,000 | 5,371,000 | 8,405,000 | 11,350,000 |
| Noninterest income | 530,000 | 1,240,000 | 1,928,000 | 2,736,000 |
| Noninterest expense | 2,246,000 | 4,641,000 | 7,012,000 | 9,196,000 |
| Provision for loan losses | 192,000 | 320,000 | 512,000 | 640,000 |
| Pretax income | 713,000 | 1,936,000 | 3,096,000 | 4,537,000 |
| Income tax | 248,000 | 701,000 | 1,097,000 | 1,621,000 |
| Net income | 465,000 | 1,235,000 | 1,999,000 | 2,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,202,000 | 24,020,000 | 24,763,000 | 25,798,000 |
| Total capital | 25,155,000 | 26,094,000 | 26,971,000 | 27,972,000 |
| Risk-weighted assets | 225,638,000 | 244,448,000 | 250,894,000 | 247,827,000 |