Call reports 2003
AMERICAN STATE BANK — 2003
What AMERICAN STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 80,156,000 | 80,298,000 | 83,915,000 | 83,904,000 |
| Total loans | 56,971,000 | 57,826,000 | 59,778,000 | 59,475,000 |
| Allowance for loan losses | 685,000 | 706,000 | 714,000 | 717,000 |
| Securities available for sale | 16,002,000 | 15,649,000 | 17,132,000 | 18,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,450,000 | 60,589,000 | 62,075,000 | 63,234,000 |
| Interest-bearing deposits | 57,068,000 | 55,184,000 | 56,179,000 | 57,248,000 |
| Noninterest-bearing deposits | 5,382,000 | 5,405,000 | 5,896,000 | 5,986,000 |
| Equity capital | 6,520,000 | 6,814,000 | 6,678,000 | 6,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,442,000 | 3,651,000 | 4,842,000 |
| Interest expense | 431,000 | 847,000 | 1,234,000 | 1,622,000 |
| Net interest income | 808,000 | 1,595,000 | 2,417,000 | 3,220,000 |
| Noninterest income | 240,000 | 484,000 | 707,000 | 936,000 |
| Noninterest expense | 596,000 | 1,176,000 | 1,806,000 | 2,466,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 455,000 | 888,000 | 1,285,000 | 1,621,000 |
| Income tax | 23,000 | 44,000 | 64,000 | 81,000 |
| Net income | 432,000 | 844,000 | 1,221,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,024,000 | 6,186,000 | 6,233,000 | 6,222,000 |
| Total capital | 6,709,000 | 6,874,000 | 6,947,000 | 6,939,000 |
| Risk-weighted assets | 54,860,000 | 55,031,000 | 57,228,000 | 57,796,000 |