Call reports 2001
STATE BANK OF HERSCHER — 2001
What STATE BANK OF HERSCHER 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 | 83,546,000 | 84,127,000 | 88,684,000 | 91,284,000 |
| Total loans | 61,361,000 | 63,631,000 | 64,429,000 | 63,841,000 |
| Allowance for loan losses | 719,000 | 672,000 | 714,000 | 730,000 |
| Securities available for sale | 9,004,000 | 8,670,000 | 8,229,000 | 10,163,000 |
| Securities held to maturity | 7,862,000 | 7,715,000 | 8,098,000 | 7,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,822,000 | 69,117,000 | 73,295,000 | 76,014,000 |
| Interest-bearing deposits | 62,699,000 | 62,937,000 | 65,983,000 | 67,860,000 |
| Noninterest-bearing deposits | 6,123,000 | 6,180,000 | 7,312,000 | 8,154,000 |
| Equity capital | 9,694,000 | 9,876,000 | 10,180,000 | 10,133,000 |
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 | 1,588,000 | 3,155,000 | 4,697,000 | 6,210,000 |
| Interest expense | 878,000 | 1,723,000 | 2,487,000 | 3,210,000 |
| Net interest income | 710,000 | 1,432,000 | 2,210,000 | 3,000,000 |
| Noninterest income | 61,000 | 86,000 | 133,000 | 184,000 |
| Noninterest expense | 411,000 | 799,000 | 1,215,000 | 1,647,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 314,000 | 634,000 | 1,007,000 | 1,389,000 |
| Income tax | 97,000 | 195,000 | 313,000 | 435,000 |
| Net income | 217,000 | 439,000 | 694,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,613,000 | 9,793,000 | 10,060,000 | 10,068,000 |
| Total capital | 10,332,000 | 10,465,000 | 10,774,000 | 10,798,000 |
| Risk-weighted assets | 61,409,000 | 63,722,000 | 67,498,000 | 68,804,000 |