Call reports 2003
AMERICAN STATE BANK OF ERSKINE — 2003
What AMERICAN STATE BANK OF ERSKINE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,160,000 | 19,572,000 | 18,985,000 | 19,738,000 |
| Total loans | 10,775,000 | 10,699,000 | 10,884,000 | 11,418,000 |
| Allowance for loan losses | 224,000 | 237,000 | 221,000 | 223,000 |
| Securities available for sale | 2,668,000 | 2,371,000 | 799,000 | 791,000 |
| Securities held to maturity | 157,000 | 155,000 | 152,000 | 152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,676,000 | 17,062,000 | 16,482,000 | 17,300,000 |
| Interest-bearing deposits | 14,853,000 | 14,157,000 | 13,295,000 | 13,599,000 |
| Noninterest-bearing deposits | 2,823,000 | 2,905,000 | 3,187,000 | 3,701,000 |
| Equity capital | 2,403,000 | 2,421,000 | 2,417,000 | 2,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 481,000 | 718,000 | 942,000 |
| Interest expense | 67,000 | 127,000 | 178,000 | 224,000 |
| Net interest income | 187,000 | 354,000 | 540,000 | 718,000 |
| Noninterest income | 39,000 | 84,000 | 116,000 | 136,000 |
| Noninterest expense | 164,000 | 321,000 | 481,000 | 643,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 9,000 |
| Pretax income | 60,000 | 112,000 | 152,000 | 186,000 |
| Income tax | 25,000 | 60,000 | 70,000 | 76,000 |
| Net income | 35,000 | 52,000 | 82,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,370,000 | 2,383,000 | 2,419,000 | 2,385,000 |
| Total capital | 2,532,000 | 2,549,000 | 2,577,000 | 2,545,000 |
| Risk-weighted assets | 12,879,000 | 13,199,000 | 12,538,000 | 12,776,000 |
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