Call reports 2001
SANDHILLS BANK — 2001
What SANDHILLS 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 | 54,946,000 | 56,944,000 | 59,072,000 | 61,030,000 |
| Total loans | 44,603,000 | 46,376,000 | 46,528,000 | 52,900,000 |
| Allowance for loan losses | 448,000 | 483,000 | 549,000 | 747,000 |
| Securities available for sale | 3,856,000 | 3,689,000 | 3,232,000 | 3,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,159,000 | 50,786,000 | 51,588,000 | 50,726,000 |
| Interest-bearing deposits | 40,919,000 | 44,657,000 | 45,568,000 | 43,795,000 |
| Noninterest-bearing deposits | 6,240,000 | 6,129,000 | 6,020,000 | 6,931,000 |
| Equity capital | 4,696,000 | 4,784,000 | 4,964,000 | 4,945,000 |
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 | 1,316,000 | 2,682,000 | 3,578,000 | 4,766,000 |
| Interest expense | 542,000 | 1,058,000 | 1,536,000 | 1,911,000 |
| Net interest income | 774,000 | 1,624,000 | 2,042,000 | 2,855,000 |
| Noninterest income | 86,000 | 193,000 | 703,000 | 1,109,000 |
| Noninterest expense | 730,000 | 1,479,000 | 2,151,000 | 3,045,000 |
| Provision for loan losses | 15,000 | 55,000 | 125,000 | 455,000 |
| Pretax income | 159,000 | 347,000 | 533,000 | 528,000 |
| Income tax | 48,000 | 115,000 | 178,000 | 161,000 |
| Net income | 111,000 | 232,000 | 355,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,614,000 | 4,713,000 | 4,858,000 | 4,867,000 |
| Total capital | 5,062,000 | 5,196,000 | 5,406,000 | 5,453,000 |
| Risk-weighted assets | 42,185,000 | 43,298,000 | 43,941,000 | 46,718,000 |