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 | 283,257,000 | 304,752,000 | 309,491,000 | 333,550,000 |
| Total loans | 167,908,000 | 182,137,000 | 193,425,000 | 199,385,000 |
| Allowance for loan losses | 2,050,000 | 2,027,000 | 2,008,000 | 1,965,000 |
| Securities available for sale | 72,196,000 | 77,829,000 | 72,354,000 | 81,370,000 |
| Securities held to maturity | 14,486,000 | 14,534,000 | 14,493,000 | 17,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,089,000 | 254,292,000 | 255,673,000 | 285,040,000 |
| Interest-bearing deposits | 244,314,000 | 246,542,000 | 248,119,000 | 276,727,000 |
| Noninterest-bearing deposits | 7,775,000 | 7,750,000 | 7,554,000 | 8,313,000 |
| Equity capital | 22,654,000 | 22,190,000 | 23,841,000 | 24,187,000 |
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 | 3,292,000 | 6,750,000 | 10,530,000 | 14,259,000 |
| Interest expense | 1,031,000 | 2,074,000 | 3,224,000 | 4,479,000 |
| Net interest income | 2,261,000 | 4,676,000 | 7,306,000 | 9,780,000 |
| Noninterest income | 564,000 | 1,182,000 | 1,827,000 | 2,460,000 |
| Noninterest expense | 1,896,000 | 3,937,000 | 5,989,000 | 8,082,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 205,000 |
| Pretax income | 857,000 | 1,713,000 | 2,894,000 | 3,945,000 |
| Income tax | 271,000 | 514,000 | 896,000 | 1,235,000 |
| Net income | 586,000 | 1,199,000 | 1,998,000 | 2,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,388,000 | 23,001,000 | 23,800,000 | 24,512,000 |
| Total capital | 24,438,000 | 25,028,000 | 25,808,000 | 26,477,000 |
| Risk-weighted assets | 179,616,000 | 197,260,000 | 206,393,000 | 217,949,000 |