Call reports 2007
AMERICAN STATE BANK OF ERSKINE — 2007
What AMERICAN STATE BANK OF ERSKINE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 18,627,000 | 19,141,000 | 18,901,000 | 19,179,000 |
| Total loans | 13,753,000 | 14,262,000 | 14,076,000 | 13,459,000 |
| Allowance for loan losses | 233,000 | 201,000 | 211,000 | 207,000 |
| Securities available for sale | 1,897,000 | 1,883,000 | 1,888,000 | 2,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,810,000 | 16,283,000 | 16,001,000 | 16,279,000 |
| Interest-bearing deposits | 13,059,000 | 13,307,000 | 12,946,000 | 13,585,000 |
| Noninterest-bearing deposits | 2,751,000 | 2,976,000 | 3,055,000 | 2,694,000 |
| Equity capital | 2,740,000 | 2,766,000 | 2,794,000 | 2,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 307,000 | 621,000 | 944,000 | 1,248,000 |
| Interest expense | 90,000 | 182,000 | 274,000 | 367,000 |
| Net interest income | 217,000 | 439,000 | 670,000 | 881,000 |
| Noninterest income | 26,000 | 59,000 | 90,000 | 123,000 |
| Noninterest expense | 207,000 | 400,000 | 595,000 | 766,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 9,000 |
| Pretax income | 34,000 | 93,000 | 158,000 | 229,000 |
| Income tax | 0 | 0 | 11,000 | 15,000 |
| Net income | 34,000 | 93,000 | 147,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,753,000 | 2,778,000 | 2,802,000 | 2,842,000 |
| Total capital | 2,928,000 | 2,964,000 | 2,986,000 | 3,017,000 |
| Risk-weighted assets | 14,011,000 | 14,875,000 | 14,687,000 | 13,964,000 |