Call reports 2003
AMERICAN STATE BANK — 2003
What AMERICAN STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 260,251,000 | 256,930,000 | 258,529,000 | 269,000,000 |
| Total loans | 200,873,000 | 206,984,000 | 209,285,000 | 217,985,000 |
| Allowance for loan losses | 2,439,000 | 2,582,000 | 2,586,000 | 2,390,000 |
| Securities available for sale | 29,380,000 | 28,389,000 | 26,889,000 | 27,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,937,000 | 212,821,000 | 214,980,000 | 224,969,000 |
| Interest-bearing deposits | 196,508,000 | 192,768,000 | 194,797,000 | 201,450,000 |
| Noninterest-bearing deposits | 20,429,000 | 20,053,000 | 20,183,000 | 23,519,000 |
| Equity capital | 22,812,000 | 22,885,000 | 22,841,000 | 23,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,871,000 | 7,732,000 | 11,412,000 | 15,126,000 |
| Interest expense | 1,515,000 | 3,042,000 | 4,530,000 | 5,975,000 |
| Net interest income | 2,356,000 | 4,690,000 | 6,882,000 | 9,151,000 |
| Noninterest income | 622,000 | 1,405,000 | 1,816,000 | 2,334,000 |
| Noninterest expense | 1,539,000 | 2,958,000 | 4,413,000 | 6,236,000 |
| Provision for loan losses | 125,000 | 275,000 | 293,000 | 93,000 |
| Pretax income | 1,314,000 | 2,861,000 | 3,901,000 | 5,069,000 |
| Income tax | 66,000 | 143,000 | 195,000 | 207,000 |
| Net income | 1,248,000 | 2,718,000 | 3,706,000 | 4,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,983,000 | 21,752,000 | 22,040,000 | 23,196,000 |
| Total capital | 24,422,000 | 24,334,000 | 24,626,000 | 25,586,000 |
| Risk-weighted assets | 220,203,000 | 223,103,000 | 226,722,000 | 238,400,000 |