Call reports 2013
AMERICAN STATE BANK OF ERSKINE — 2013
What AMERICAN STATE BANK OF ERSKINE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 24,584,000 | 24,626,000 | 23,524,000 | 23,874,000 |
| Total loans | 10,104,000 | 10,632,000 | 10,782,000 | 11,111,000 |
| Allowance for loan losses | 189,000 | 172,000 | 141,000 | 147,000 |
| Securities available for sale | 6,874,000 | 6,291,000 | 6,184,000 | 5,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,017,000 | 21,276,000 | 20,205,000 | 20,607,000 |
| Interest-bearing deposits | 14,331,000 | 14,008,000 | 13,258,000 | 14,706,000 |
| Noninterest-bearing deposits | 6,686,000 | 7,268,000 | 6,947,000 | 5,901,000 |
| Equity capital | 3,552,000 | 3,322,000 | 3,279,000 | 3,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 203,000 | 406,000 | 611,000 | 816,000 |
| Interest expense | 11,000 | 20,000 | 29,000 | 36,000 |
| Net interest income | 192,000 | 386,000 | 582,000 | 780,000 |
| Noninterest income | 30,000 | 57,000 | 88,000 | 118,000 |
| Noninterest expense | 181,000 | 360,000 | 540,000 | 728,000 |
| Provision for loan losses | 3,000 | 6,000 | 11,000 | 17,000 |
| Pretax income | 38,000 | 77,000 | 119,000 | 153,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 38,000 | 77,000 | 119,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,381,000 | 3,385,000 | 3,412,000 | 3,432,000 |
| Total capital | 3,530,000 | 3,540,000 | 3,555,000 | 3,583,000 |
| Risk-weighted assets | 11,729,000 | 12,222,000 | 12,175,000 | 12,667,000 |