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 |
|---|---|---|---|
| Total assets | 340,808,000 | 341,931,000 | 356,737,000 |
| Total loans | 202,579,000 | 212,664,000 | 222,810,000 |
| Allowance for loan losses | 2,054,000 | 1,922,000 | 1,863,000 |
| Securities available for sale | 85,531,000 | 83,484,000 | 80,394,000 |
| Securities held to maturity | 17,854,000 | 18,335,000 | 18,998,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 283,497,000 | 274,452,000 | 294,403,000 |
| Interest-bearing deposits | 274,560,000 | 265,863,000 | 287,479,000 |
| Noninterest-bearing deposits | 8,937,000 | 8,589,000 | 6,924,000 |
| Equity capital | 24,128,000 | 25,068,000 | 25,501,000 |
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 |
|---|---|---|---|
| Interest income | 3,947,000 | 8,079,000 | 12,458,000 |
| Interest expense | 1,458,000 | 3,131,000 | 5,130,000 |
| Net interest income | 2,489,000 | 4,948,000 | 7,328,000 |
| Noninterest income | 586,000 | 1,256,000 | 1,950,000 |
| Noninterest expense | 2,083,000 | 4,253,000 | 6,394,000 |
| Provision for loan losses | 66,000 | 129,000 | 269,000 |
| Pretax income | 940,000 | 1,836,000 | 2,629,000 |
| Income tax | 285,000 | 550,000 | 774,000 |
| Net income | 655,000 | 1,286,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 25,167,000 | 25,798,000 | 26,367,000 |
| Total capital | 27,221,000 | 27,720,000 | 28,230,000 |
| Risk-weighted assets | 221,999,000 | 228,678,000 | 242,565,000 |