Call reports 2008
AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON — 2008
What AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 262,041,000 | 265,446,000 | 265,851,000 | 287,307,000 |
| Total loans | 124,614,000 | 133,230,000 | 141,522,000 | 142,021,000 |
| Allowance for loan losses | 1,309,000 | 1,364,000 | 1,529,000 | 2,211,000 |
| Securities available for sale | 104,834,000 | 99,300,000 | 102,338,000 | 117,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,763,000 | 243,484,000 | 241,004,000 | 261,845,000 |
| Interest-bearing deposits | 195,274,000 | 201,914,000 | 196,152,000 | 210,486,000 |
| Noninterest-bearing deposits | 43,489,000 | 41,570,000 | 44,852,000 | 51,359,000 |
| Equity capital | 17,981,000 | 16,726,000 | 18,208,000 | 20,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,523,000 | 7,005,000 | 10,661,000 | 14,226,000 |
| Interest expense | 1,248,000 | 2,301,000 | 3,350,000 | 4,220,000 |
| Net interest income | 2,275,000 | 4,704,000 | 7,311,000 | 10,006,000 |
| Noninterest income | 531,000 | 1,066,000 | 1,540,000 | 2,131,000 |
| Noninterest expense | 1,531,000 | 3,072,000 | 4,684,000 | 6,379,000 |
| Provision for loan losses | 15,000 | 65,000 | 220,000 | 1,135,000 |
| Pretax income | 1,273,000 | 2,650,000 | 3,980,000 | 4,697,000 |
| Income tax | 25,000 | 52,000 | 79,000 | 94,000 |
| Net income | 1,248,000 | 2,598,000 | 3,901,000 | 4,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,046,000 | 17,841,000 | 18,275,000 | 18,976,000 |
| Total capital | 18,355,000 | 19,206,000 | 19,803,000 | 21,054,000 |
| Risk-weighted assets | 150,686,000 | 161,314,000 | 167,338,000 | 166,097,000 |
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