Call reports 2001
STATE BANK OF DRUMMOND — 2001
What STATE BANK OF DRUMMOND 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 | 29,305,000 | 29,318,000 | 31,490,000 | 32,345,000 |
| Total loans | 16,111,000 | 17,704,000 | 18,027,000 | 18,648,000 |
| Allowance for loan losses | 294,000 | 306,000 | 312,000 | 315,000 |
| Securities available for sale | 6,840,000 | 5,965,000 | 7,155,000 | 7,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,329,000 | 25,273,000 | 27,319,000 | 28,221,000 |
| Interest-bearing deposits | 21,985,000 | 21,391,000 | 22,564,000 | 24,123,000 |
| Noninterest-bearing deposits | 3,344,000 | 3,882,000 | 4,755,000 | 4,098,000 |
| Equity capital | 3,831,000 | 3,883,000 | 3,999,000 | 4,004,000 |
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 | 528,000 | 1,025,000 | 1,539,000 | 2,030,000 |
| Interest expense | 230,000 | 446,000 | 648,000 | 814,000 |
| Net interest income | 298,000 | 579,000 | 891,000 | 1,216,000 |
| Noninterest income | 65,000 | 129,000 | 192,000 | 262,000 |
| Noninterest expense | 293,000 | 575,000 | 869,000 | 1,148,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 28,000 |
| Pretax income | 73,000 | 135,000 | 208,000 | 319,000 |
| Income tax | 0 | -3,000 | -2,000 | 11,000 |
| Net income | 73,000 | 138,000 | 210,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,746,000 | 3,795,000 | 3,868,000 | 3,933,000 |
| Total capital | 3,968,000 | 4,035,000 | 4,111,000 | 4,175,000 |
| Risk-weighted assets | 17,724,000 | 19,162,000 | 19,376,000 | 19,254,000 |