Call reports 2006
AMERICAN STATE BANK OF ERSKINE — 2006
What AMERICAN STATE BANK OF ERSKINE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 19,036,000 | 18,416,000 | 18,625,000 | 18,914,000 |
| Total loans | 14,616,000 | 13,818,000 | 13,378,000 | 13,699,000 |
| Allowance for loan losses | 231,000 | 234,000 | 236,000 | 238,000 |
| Securities available for sale | 2,446,000 | 2,348,000 | 2,376,000 | 2,190,000 |
| Securities held to maturity | 2,000 | 2,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,365,000 | 15,712,000 | 15,849,000 | 16,090,000 |
| Interest-bearing deposits | 13,557,000 | 12,740,000 | 12,725,000 | 12,812,000 |
| Noninterest-bearing deposits | 2,808,000 | 2,972,000 | 3,124,000 | 3,278,000 |
| Equity capital | 2,613,000 | 2,636,000 | 2,700,000 | 2,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 298,000 | 601,000 | 905,000 | 1,208,000 |
| Interest expense | 60,000 | 126,000 | 205,000 | 291,000 |
| Net interest income | 238,000 | 475,000 | 700,000 | 917,000 |
| Noninterest income | 25,000 | 58,000 | 90,000 | 117,000 |
| Noninterest expense | 165,000 | 331,000 | 500,000 | 701,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 9,000 |
| Pretax income | 96,000 | 197,000 | 283,000 | 324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 96,000 | 197,000 | 283,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,659,000 | 2,681,000 | 2,727,000 | 2,768,000 |
| Total capital | 2,841,000 | 2,857,000 | 2,902,000 | 2,945,000 |
| Risk-weighted assets | 14,488,000 | 14,040,000 | 13,962,000 | 14,174,000 |