Call reports 2001
STATE BANK OF SAUNEMIN — 2001
What STATE BANK OF SAUNEMIN 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 | 17,565,000 | 17,635,000 | 18,029,000 | 19,451,000 |
| Total loans | 10,020,000 | 10,259,000 | 10,953,000 | 10,498,000 |
| Allowance for loan losses | 182,000 | 163,000 | 164,000 | 160,000 |
| Securities available for sale | 2,424,000 | 3,191,000 | 3,219,000 | 3,590,000 |
| Securities held to maturity | 1,598,000 | 1,772,000 | 1,908,000 | 1,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,301,000 | 15,327,000 | 15,651,000 | 17,133,000 |
| Interest-bearing deposits | 13,704,000 | 13,681,000 | 14,090,000 | 14,470,000 |
| Noninterest-bearing deposits | 1,597,000 | 1,646,000 | 1,561,000 | 2,663,000 |
| Equity capital | 1,889,000 | 1,926,000 | 1,976,000 | 1,979,000 |
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 | 329,000 | 643,000 | 967,000 | 1,283,000 |
| Interest expense | 159,000 | 318,000 | 473,000 | 617,000 |
| Net interest income | 170,000 | 325,000 | 494,000 | 666,000 |
| Noninterest income | 24,000 | 45,000 | 67,000 | 92,000 |
| Noninterest expense | 136,000 | 259,000 | 397,000 | 556,000 |
| Provision for loan losses | 0 | 15,000 | 25,000 | 35,000 |
| Pretax income | 58,000 | 96,000 | 139,000 | 167,000 |
| Income tax | 9,000 | 21,000 | 33,000 | 33,000 |
| Net income | 49,000 | 75,000 | 106,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,877,000 | 1,904,000 | 1,934,000 | 1,962,000 |
| Total capital | 2,011,000 | 2,040,000 | 2,083,000 | 2,108,000 |
| Risk-weighted assets | 10,633,000 | 10,834,000 | 11,911,000 | 11,651,000 |