Call reports 2005
NORTH AMERICAN STATE BANK — 2005
What NORTH 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 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 101,112,000 | 101,460,000 | 106,689,000 | 109,618,000 |
| Total loans | 75,327,000 | 81,137,000 | 86,090,000 | 83,678,000 |
| Allowance for loan losses | 1,414,000 | 1,460,000 | 1,645,000 | 1,688,000 |
| Securities available for sale | 14,346,000 | 13,984,000 | 13,647,000 | 13,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,833,000 | 76,427,000 | 81,020,000 | 85,034,000 |
| Interest-bearing deposits | 67,588,000 | 67,787,000 | 71,078,000 | 73,778,000 |
| Noninterest-bearing deposits | 9,245,000 | 8,640,000 | 9,942,000 | 11,256,000 |
| Equity capital | 10,847,000 | 11,186,000 | 11,136,000 | 11,293,000 |
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 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 3,192,000 | 4,926,000 | 6,679,000 |
| Interest expense | 528,000 | 1,086,000 | 1,723,000 | 2,436,000 |
| Net interest income | 1,009,000 | 2,106,000 | 3,203,000 | 4,243,000 |
| Noninterest income | 140,000 | 278,000 | 413,000 | 528,000 |
| Noninterest expense | 794,000 | 1,647,000 | 2,476,000 | 3,251,000 |
| Provision for loan losses | 169,000 | 222,000 | 411,000 | 499,000 |
| Pretax income | 186,000 | 515,000 | 729,000 | 1,021,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 186,000 | 515,000 | 729,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,786,000 | 11,026,000 | 11,101,000 | 11,339,000 |
| Total capital | 11,775,000 | 12,068,000 | 12,206,000 | 12,400,000 |
| Risk-weighted assets | 78,718,000 | 82,920,000 | 90,261,000 | 84,253,000 |