Call reports 2005
AMERICAN STATE BANK — 2005
What AMERICAN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 289,895,000 | 296,929,000 | 306,337,000 | 324,566,000 |
| Total loans | 256,350,000 | 261,142,000 | 270,684,000 | 287,078,000 |
| Allowance for loan losses | 2,604,000 | 2,645,000 | 2,685,000 | 2,804,000 |
| Securities available for sale | 17,486,000 | 16,494,000 | 18,540,000 | 17,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,723,000 | 246,862,000 | 255,008,000 | 272,936,000 |
| Interest-bearing deposits | 216,392,000 | 223,862,000 | 228,792,000 | 244,004,000 |
| Noninterest-bearing deposits | 26,331,000 | 23,000,000 | 26,216,000 | 28,932,000 |
| Equity capital | 25,330,000 | 26,297,000 | 27,150,000 | 28,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,097,000 | 8,522,000 | 13,371,000 | 18,501,000 |
| Interest expense | 1,672,000 | 3,563,000 | 5,676,000 | 8,007,000 |
| Net interest income | 2,425,000 | 4,959,000 | 7,695,000 | 10,494,000 |
| Noninterest income | 516,000 | 1,096,000 | 1,629,000 | 2,216,000 |
| Noninterest expense | 1,448,000 | 2,987,000 | 4,673,000 | 6,666,000 |
| Provision for loan losses | 65,000 | 115,000 | 177,000 | 327,000 |
| Pretax income | 1,428,000 | 2,953,000 | 4,472,000 | 5,716,000 |
| Income tax | 71,000 | 147,000 | 228,000 | 285,000 |
| Net income | 1,357,000 | 2,806,000 | 4,244,000 | 5,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,364,000 | 26,314,000 | 27,252,000 | 28,989,000 |
| Total capital | 27,968,000 | 28,959,000 | 29,937,000 | 31,793,000 |
| Risk-weighted assets | 276,651,000 | 282,002,000 | 292,078,000 | 310,009,000 |