Call reports 2005
AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON — 2005
What AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 206,661,000 | 206,997,000 | 197,926,000 | 217,298,000 |
| Total loans | 105,007,000 | 110,996,000 | 109,220,000 | 110,646,000 |
| Allowance for loan losses | 1,419,000 | 1,406,000 | 1,446,000 | 1,356,000 |
| Securities available for sale | 76,008,000 | 79,422,000 | 73,701,000 | 80,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,814,000 | 189,940,000 | 174,548,000 | 198,971,000 |
| Interest-bearing deposits | 168,504,000 | 163,272,000 | 147,424,000 | 165,320,000 |
| Noninterest-bearing deposits | 22,310,000 | 26,668,000 | 27,124,000 | 33,651,000 |
| Equity capital | 12,622,000 | 13,726,000 | 13,046,000 | 13,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,543,000 | 5,198,000 | 7,921,000 | 10,692,000 |
| Interest expense | 745,000 | 1,547,000 | 2,382,000 | 3,245,000 |
| Net interest income | 1,798,000 | 3,651,000 | 5,539,000 | 7,447,000 |
| Noninterest income | 386,000 | 853,000 | 1,267,000 | 1,619,000 |
| Noninterest expense | 1,340,000 | 2,630,000 | 3,956,000 | 5,290,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 22,000 |
| Pretax income | 844,000 | 1,874,000 | 2,752,000 | 3,746,000 |
| Income tax | 59,000 | 131,000 | 192,000 | 262,000 |
| Net income | 785,000 | 1,743,000 | 2,560,000 | 3,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,810,000 | 14,100,000 | 13,771,000 | 14,695,000 |
| Total capital | 15,229,000 | 15,506,000 | 15,217,000 | 16,051,000 |
| Risk-weighted assets | 121,707,000 | 125,611,000 | 124,144,000 | 133,147,000 |
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