Call reports 2005
AMERICAN STATE BANK OF ERSKINE — 2005
What AMERICAN STATE BANK OF ERSKINE 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 | 18,808,000 | 19,126,000 | 18,280,000 | 18,734,000 |
| Total loans | 11,717,000 | 13,480,000 | 13,549,000 | 13,999,000 |
| Allowance for loan losses | 228,000 | 229,000 | 234,000 | 228,000 |
| Securities available for sale | 2,844,000 | 2,667,000 | 2,455,000 | 2,442,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,320,000 | 16,527,000 | 15,573,000 | 16,005,000 |
| Interest-bearing deposits | 13,879,000 | 13,654,000 | 12,740,000 | 12,171,000 |
| Noninterest-bearing deposits | 2,441,000 | 2,873,000 | 2,833,000 | 3,834,000 |
| Equity capital | 2,435,000 | 2,533,000 | 2,633,000 | 2,671,000 |
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 | 240,000 | 505,000 | 790,000 | 1,075,000 |
| Interest expense | 42,000 | 85,000 | 135,000 | 187,000 |
| Net interest income | 198,000 | 420,000 | 655,000 | 888,000 |
| Noninterest income | 24,000 | 49,000 | 83,000 | 114,000 |
| Noninterest expense | 162,000 | 326,000 | 481,000 | 637,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 9,000 |
| Pretax income | 58,000 | 142,000 | 246,000 | 352,000 |
| Income tax | 26,000 | 27,000 | 23,000 | 23,000 |
| Net income | 32,000 | 115,000 | 223,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,485,000 | 2,567,000 | 2,674,000 | 2,720,000 |
| Total capital | 2,647,000 | 2,743,000 | 2,849,000 | 2,898,000 |
| Risk-weighted assets | 12,898,000 | 13,948,000 | 13,954,000 | 14,153,000 |