Call reports 2001
STONE BANK — 2001
What STONE BANK 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 | 12,259,000 | 12,150,000 | 12,327,000 | 13,287,000 |
| Total loans | 6,932,000 | 7,186,000 | 6,566,000 | 6,031,000 |
| Allowance for loan losses | 108,000 | 83,000 | 84,000 | 65,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 3,906,000 | 3,907,000 | 3,905,000 | 4,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,679,000 | 9,667,000 | 9,750,000 | 10,697,000 |
| Interest-bearing deposits | 7,100,000 | 6,324,000 | 6,652,000 | 7,376,000 |
| Noninterest-bearing deposits | 2,579,000 | 3,343,000 | 3,098,000 | 3,321,000 |
| Equity capital | 2,469,000 | 2,372,000 | 2,461,000 | 2,467,000 |
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 | 234,000 | 453,000 | 673,000 | 867,000 |
| Interest expense | 80,000 | 153,000 | 216,000 | 272,000 |
| Net interest income | 154,000 | 300,000 | 457,000 | 595,000 |
| Noninterest income | 16,000 | 33,000 | 40,000 | 58,000 |
| Noninterest expense | 115,000 | 232,000 | 347,000 | 466,000 |
| Provision for loan losses | 25,000 | 158,000 | 109,000 | 109,000 |
| Pretax income | 30,000 | -57,000 | 41,000 | 78,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 4,000 |
| Net income | 20,000 | -77,000 | 11,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,469,000 | 2,372,000 | 2,461,000 | 2,467,000 |
| Total capital | 2,482,000 | 2,455,000 | 2,550,000 | 2,532,000 |
| Risk-weighted assets | 926,000 | 7,540,000 | 7,124,000 | 7,114,000 |