Call reports 2004
AMERICAN STATE BANK OF ERSKINE — 2004
What AMERICAN STATE BANK OF ERSKINE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,127,000 | 19,811,000 | 19,171,000 | 18,860,000 |
| Total loans | 10,526,000 | 11,509,000 | 11,714,000 | 12,050,000 |
| Allowance for loan losses | 225,000 | 228,000 | 226,000 | 225,000 |
| Securities available for sale | 2,737,000 | 2,664,000 | 2,610,000 | 2,387,000 |
| Securities held to maturity | 150,000 | 149,000 | 149,000 | 149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,645,000 | 17,345,000 | 16,619,000 | 16,376,000 |
| Interest-bearing deposits | 13,338,000 | 14,330,000 | 13,710,000 | 13,276,000 |
| Noninterest-bearing deposits | 3,307,000 | 3,015,000 | 2,909,000 | 3,100,000 |
| Equity capital | 2,428,000 | 2,404,000 | 2,478,000 | 2,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 444,000 | 680,000 | 915,000 |
| Interest expense | 43,000 | 85,000 | 127,000 | 167,000 |
| Net interest income | 182,000 | 359,000 | 553,000 | 748,000 |
| Noninterest income | 29,000 | 67,000 | 99,000 | 125,000 |
| Noninterest expense | 155,000 | 319,000 | 471,000 | 639,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 9,000 |
| Pretax income | 54,000 | 102,000 | 174,000 | 223,000 |
| Income tax | 21,000 | 45,000 | 75,000 | 97,000 |
| Net income | 33,000 | 57,000 | 99,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,419,000 | 2,442,000 | 2,485,000 | 2,451,000 |
| Total capital | 2,574,000 | 2,612,000 | 2,653,000 | 2,621,000 |
| Risk-weighted assets | 12,311,000 | 13,549,000 | 13,360,000 | 13,559,000 |