Call reports 2004
NORTH AMERICAN STATE BANK — 2004
What NORTH 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 | 88,127,000 | 99,032,000 | 100,995,000 | 104,793,000 |
| Total loans | 66,659,000 | 74,820,000 | 75,567,000 | 77,784,000 |
| Allowance for loan losses | 1,076,000 | 1,174,000 | 1,231,000 | 1,240,000 |
| Securities available for sale | 15,914,000 | 15,423,000 | 15,701,000 | 14,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,282,000 | 74,899,000 | 76,421,000 | 80,311,000 |
| Interest-bearing deposits | 56,310,000 | 66,729,000 | 67,922,000 | 67,358,000 |
| Noninterest-bearing deposits | 6,972,000 | 8,170,000 | 8,499,000 | 12,953,000 |
| Equity capital | 11,153,000 | 10,721,000 | 11,155,000 | 11,073,000 |
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 | 1,463,000 | 2,973,000 | 4,538,000 | 6,173,000 |
| Interest expense | 456,000 | 958,000 | 1,468,000 | 1,997,000 |
| Net interest income | 1,007,000 | 2,015,000 | 3,070,000 | 4,176,000 |
| Noninterest income | 183,000 | 349,000 | 507,000 | 625,000 |
| Noninterest expense | 776,000 | 1,624,000 | 2,449,000 | 3,252,000 |
| Provision for loan losses | 36,000 | 140,000 | 204,000 | 411,000 |
| Pretax income | 378,000 | 600,000 | 924,000 | 1,138,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 372,000 | 594,000 | 918,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,526,000 | 10,505,000 | 10,732,000 | 10,810,000 |
| Total capital | 11,424,000 | 11,498,000 | 11,729,000 | 11,830,000 |
| Risk-weighted assets | 71,623,000 | 79,234,000 | 79,505,000 | 81,410,000 |