Call reports 2001
SMALL TOWN BANK — 2001
What SMALL TOWN 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 | 54,846,000 | 58,289,000 | 66,241,000 | 70,838,000 |
| Total loans | 32,903,000 | 38,744,000 | 45,943,000 | 48,629,000 |
| Allowance for loan losses | 335,000 | 366,000 | 441,000 | 487,000 |
| Securities available for sale | 17,767,000 | 16,351,000 | 16,591,000 | 18,136,000 |
| Securities held to maturity | 500,000 | 500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,571,000 | 47,659,000 | 51,857,000 | 55,698,000 |
| Interest-bearing deposits | 42,103,000 | 44,885,000 | 49,463,000 | 52,942,000 |
| Noninterest-bearing deposits | 2,468,000 | 2,774,000 | 2,394,000 | 2,756,000 |
| Equity capital | 5,896,000 | 6,087,000 | 6,347,000 | 6,339,000 |
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 | 1,160,000 | 2,451,000 | 3,865,000 | 5,321,000 |
| Interest expense | 661,000 | 1,371,000 | 2,113,000 | 2,837,000 |
| Net interest income | 499,000 | 1,080,000 | 1,752,000 | 2,484,000 |
| Noninterest income | 78,000 | 159,000 | 234,000 | 300,000 |
| Noninterest expense | 261,000 | 527,000 | 827,000 | 1,157,000 |
| Provision for loan losses | 65,000 | 110,000 | 205,000 | 385,000 |
| Pretax income | 251,000 | 602,000 | 954,000 | 1,242,000 |
| Income tax | 78,000 | 190,000 | 296,000 | 358,000 |
| Net income | 173,000 | 412,000 | 658,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,621,000 | 5,861,000 | 6,108,000 | 6,334,000 |
| Total capital | 5,956,000 | 6,227,000 | 6,549,000 | 6,821,000 |
| Risk-weighted assets | 34,833,000 | 40,256,000 | 47,603,000 | 50,314,000 |