Call reports 2001
SAVINGS BANK AND TRUST COMPANY, THE — 2001
What SAVINGS BANK AND TRUST COMPANY, 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 | 172,365,000 | 179,449,000 | 184,091,000 | 194,101,000 |
| Total loans | 109,776,000 | 106,666,000 | 107,795,000 | 114,288,000 |
| Allowance for loan losses | 1,400,000 | 1,471,000 | 1,488,000 | 1,505,000 |
| Securities available for sale | 47,644,000 | 55,278,000 | 64,488,000 | 65,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,160,000 | 148,801,000 | 151,596,000 | 158,778,000 |
| Interest-bearing deposits | 134,627,000 | 137,211,000 | 140,833,000 | 145,701,000 |
| Noninterest-bearing deposits | 10,533,000 | 11,590,000 | 10,763,000 | 13,077,000 |
| Equity capital | 14,257,000 | 14,666,000 | 15,442,000 | 15,454,000 |
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 | 3,208,000 | 6,423,000 | 9,601,000 | 12,822,000 |
| Interest expense | 1,723,000 | 3,295,000 | 4,755,000 | 6,013,000 |
| Net interest income | 1,485,000 | 3,128,000 | 4,846,000 | 6,809,000 |
| Noninterest income | 309,000 | 844,000 | 1,175,000 | 1,465,000 |
| Noninterest expense | 1,282,000 | 2,601,000 | 3,914,000 | 5,347,000 |
| Provision for loan losses | 65,000 | 210,000 | 303,000 | 410,000 |
| Pretax income | 447,000 | 1,214,000 | 1,896,000 | 2,741,000 |
| Income tax | 106,000 | 316,000 | 493,000 | 716,000 |
| Net income | 341,000 | 898,000 | 1,403,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,824,000 | 14,157,000 | 14,307,000 | 14,929,000 |
| Total capital | 15,224,000 | 15,628,000 | 15,795,000 | 16,434,000 |
| Risk-weighted assets | 121,178,000 | 134,900,000 | 134,856,000 | 144,912,000 |