Call reports 2001
ST. MARYS STATE BANK, THE — 2001
What ST. MARYS STATE BANK, THE 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 | 54,755,000 | 53,127,000 | 58,771,000 | 59,544,000 |
| Total loans | 36,774,000 | 38,161,000 | 39,388,000 | 41,613,000 |
| Allowance for loan losses | 483,000 | 493,000 | 515,000 | 541,000 |
| Securities available for sale | 9,178,000 | 8,404,000 | 10,607,000 | 12,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,454,000 | 41,442,000 | 46,228,000 | 46,006,000 |
| Interest-bearing deposits | 38,302,000 | 32,323,000 | 40,274,000 | 39,709,000 |
| Noninterest-bearing deposits | 5,152,000 | 9,119,000 | 5,954,000 | 6,297,000 |
| Equity capital | 5,406,000 | 5,584,000 | 5,773,000 | 5,849,000 |
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 | 1,037,000 | 2,102,000 | 3,139,000 | 4,181,000 |
| Interest expense | 536,000 | 1,043,000 | 1,559,000 | 2,023,000 |
| Net interest income | 501,000 | 1,059,000 | 1,580,000 | 2,158,000 |
| Noninterest income | 113,000 | 192,000 | 268,000 | 356,000 |
| Noninterest expense | 402,000 | 788,000 | 1,180,000 | 1,624,000 |
| Provision for loan losses | 60,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 152,000 | 383,000 | 558,000 | 750,000 |
| Income tax | 44,000 | 115,000 | 165,000 | 222,000 |
| Net income | 108,000 | 268,000 | 393,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,279,000 | 5,464,000 | 5,589,000 | 5,724,000 |
| Total capital | 5,762,000 | 5,957,000 | 6,104,000 | 6,265,000 |
| Risk-weighted assets | 40,018,000 | 41,654,000 | 42,218,000 | 43,362,000 |