Call reports 2002
AMERICAN STATE BANK OF ERSKINE — 2002
What AMERICAN STATE BANK OF ERSKINE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 19,406,000 | 18,840,000 | 19,152,000 | 19,624,000 |
| Total loans | 11,590,000 | 11,711,000 | 11,383,000 | 11,581,000 |
| Allowance for loan losses | 256,000 | 257,000 | 238,000 | 226,000 |
| Securities available for sale | 2,515,000 | 2,454,000 | 1,971,000 | 1,872,000 |
| Securities held to maturity | 202,000 | 202,000 | 200,000 | 199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,097,000 | 16,410,000 | 16,654,000 | 17,155,000 |
| Interest-bearing deposits | 14,693,000 | 13,990,000 | 14,056,000 | 14,377,000 |
| Noninterest-bearing deposits | 2,404,000 | 2,420,000 | 2,598,000 | 2,778,000 |
| Equity capital | 2,241,000 | 2,318,000 | 2,320,000 | 2,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 291,000 | 577,000 | 857,000 | 1,128,000 |
| Interest expense | 95,000 | 182,000 | 261,000 | 334,000 |
| Net interest income | 196,000 | 395,000 | 596,000 | 794,000 |
| Noninterest income | 34,000 | 74,000 | 117,000 | 160,000 |
| Noninterest expense | 139,000 | 284,000 | 432,000 | 595,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 89,000 | 182,000 | 276,000 | 353,000 |
| Income tax | 45,000 | 87,000 | 130,000 | 155,000 |
| Net income | 44,000 | 95,000 | 146,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,242,000 | 2,292,000 | 2,283,000 | 2,335,000 |
| Total capital | 2,389,000 | 2,451,000 | 2,440,000 | 2,495,000 |
| Risk-weighted assets | 11,659,000 | 12,632,000 | 12,498,000 | 12,707,000 |