Call reports 2004
AMERICAN STATE BANK — 2004
What AMERICAN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 266,719,000 | 268,105,000 | 272,276,000 | 289,444,000 |
| Total loans | 224,707,000 | 228,245,000 | 243,126,000 | 243,549,000 |
| Allowance for loan losses | 2,436,000 | 2,415,000 | 2,469,000 | 2,534,000 |
| Securities available for sale | 22,507,000 | 18,014,000 | 16,686,000 | 18,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,161,000 | 223,955,000 | 229,872,000 | 244,222,000 |
| Interest-bearing deposits | 201,708,000 | 200,007,000 | 206,411,000 | 216,428,000 |
| Noninterest-bearing deposits | 20,453,000 | 23,948,000 | 23,461,000 | 27,794,000 |
| Equity capital | 24,414,000 | 23,453,000 | 24,121,000 | 24,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,546,000 | 7,027,000 | 10,774,000 | 14,703,000 |
| Interest expense | 1,406,000 | 2,815,000 | 4,287,000 | 5,898,000 |
| Net interest income | 2,140,000 | 4,212,000 | 6,487,000 | 8,805,000 |
| Noninterest income | 517,000 | 1,036,000 | 1,546,000 | 2,096,000 |
| Noninterest expense | 1,574,000 | 3,012,000 | 4,690,000 | 6,823,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 115,000 |
| Pretax income | 1,337,000 | 2,490,000 | 3,624,000 | 4,294,000 |
| Income tax | 67,000 | 125,000 | 181,000 | 233,000 |
| Net income | 1,270,000 | 2,365,000 | 3,443,000 | 4,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,866,000 | 23,411,000 | 23,889,000 | 24,507,000 |
| Total capital | 26,302,000 | 25,826,000 | 26,358,000 | 27,041,000 |
| Risk-weighted assets | 242,590,000 | 246,054,000 | 257,883,000 | 262,426,000 |