Call reports 2001
STEPHENVILLE BANK AND TRUST CO. — 2001
What STEPHENVILLE BANK AND TRUST CO. 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 | 119,829,000 | 118,268,000 | 123,523,000 | 130,186,000 |
| Total loans | 70,993,000 | 72,058,000 | 71,640,000 | 71,367,000 |
| Allowance for loan losses | 711,000 | 721,000 | 732,000 | 730,000 |
| Securities available for sale | 7,509,000 | 14,638,000 | 18,206,000 | 23,298,000 |
| Securities held to maturity | 25,094,000 | 18,565,000 | 21,295,000 | 21,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,675,000 | 107,083,000 | 112,182,000 | 118,903,000 |
| Interest-bearing deposits | 87,092,000 | 84,458,000 | 88,332,000 | 92,417,000 |
| Noninterest-bearing deposits | 21,583,000 | 22,625,000 | 23,850,000 | 26,486,000 |
| Equity capital | 10,461,000 | 10,692,000 | 10,813,000 | 10,953,000 |
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 | 2,206,000 | 4,349,000 | 6,400,000 | 8,389,000 |
| Interest expense | 958,000 | 1,809,000 | 2,540,000 | 3,173,000 |
| Net interest income | 1,248,000 | 2,540,000 | 3,860,000 | 5,216,000 |
| Noninterest income | 352,000 | 730,000 | 1,084,000 | 1,438,000 |
| Noninterest expense | 827,000 | 1,694,000 | 2,536,000 | 3,399,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 35,000 |
| Pretax income | 758,000 | 1,546,000 | 2,378,000 | 3,220,000 |
| Income tax | 255,000 | 517,000 | 792,000 | 1,069,000 |
| Net income | 503,000 | 1,029,000 | 1,586,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,342,000 | 10,469,000 | 10,576,000 | 10,889,000 |
| Total capital | 11,053,000 | 11,190,000 | 11,308,000 | 11,619,000 |
| Risk-weighted assets | 71,925,000 | 73,509,000 | 73,923,000 | 75,690,000 |