Call reports 2008
AMERICAN STATE BANK — 2008
What AMERICAN STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 434,874,000 | 435,837,000 | 442,802,000 | 442,124,000 |
| Total loans | 381,612,000 | 402,358,000 | 407,280,000 | 404,491,000 |
| Allowance for loan losses | 3,587,000 | 3,762,000 | 3,771,000 | 4,075,000 |
| Securities available for sale | 14,588,000 | 13,516,000 | 12,507,000 | 13,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,685,000 | 363,522,000 | 360,415,000 | 370,352,000 |
| Interest-bearing deposits | 338,701,000 | 340,070,000 | 335,142,000 | 336,351,000 |
| Noninterest-bearing deposits | 26,984,000 | 23,452,000 | 25,273,000 | 34,001,000 |
| Equity capital | 41,020,000 | 41,015,000 | 42,167,000 | 42,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,883,000 | 13,534,000 | 20,173,000 | 26,707,000 |
| Interest expense | 3,696,000 | 7,057,000 | 10,336,000 | 13,423,000 |
| Net interest income | 3,187,000 | 6,477,000 | 9,837,000 | 13,284,000 |
| Noninterest income | 839,000 | 1,619,000 | 2,364,000 | 3,081,000 |
| Noninterest expense | 1,803,000 | 3,778,000 | 5,637,000 | 8,002,000 |
| Provision for loan losses | 300,000 | 475,000 | 565,000 | 950,000 |
| Pretax income | 1,923,000 | 3,844,000 | 6,000,000 | 7,414,000 |
| Income tax | 96,000 | 192,000 | 300,000 | 260,000 |
| Net income | 1,827,000 | 3,652,000 | 5,700,000 | 7,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,867,000 | 41,018,000 | 42,291,000 | 42,969,000 |
| Total capital | 44,454,000 | 44,780,000 | 46,062,000 | 47,044,000 |
| Risk-weighted assets | 425,495,000 | 427,314,000 | 430,969,000 | 424,574,000 |