Call reports 2003
AMERICAN STATE BANK OF OLIVIA — 2003
What AMERICAN STATE BANK OF OLIVIA 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 | 47,579,000 | 48,509,000 | 53,345,000 | 56,688,000 |
| Total loans | 37,787,000 | 43,237,000 | 48,446,000 | 49,443,000 |
| Allowance for loan losses | 684,000 | 682,000 | 735,000 | 709,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,682,000 | 41,517,000 | 45,549,000 | 48,718,000 |
| Interest-bearing deposits | 37,812,000 | 39,484,000 | 43,221,000 | 44,832,000 |
| Noninterest-bearing deposits | 2,870,000 | 2,033,000 | 2,328,000 | 3,886,000 |
| Equity capital | 3,645,000 | 3,806,000 | 4,595,000 | 4,776,000 |
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 | 736,000 | 1,564,000 | 2,436,000 | 3,345,000 |
| Interest expense | 259,000 | 521,000 | 794,000 | 1,070,000 |
| Net interest income | 477,000 | 1,043,000 | 1,642,000 | 2,275,000 |
| Noninterest income | 16,000 | 43,000 | 74,000 | 139,000 |
| Noninterest expense | 346,000 | 661,000 | 1,021,000 | 1,391,000 |
| Provision for loan losses | 7,000 | 15,000 | 56,000 | 79,000 |
| Pretax income | 140,000 | 410,000 | 639,000 | 944,000 |
| Income tax | 57,000 | 166,000 | 256,000 | 380,000 |
| Net income | 83,000 | 244,000 | 383,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,645,000 | 3,806,000 | 4,595,000 | 4,776,000 |
| Total capital | 4,150,000 | 4,368,000 | 5,210,000 | 5,417,000 |
| Risk-weighted assets | 40,189,000 | 44,808,000 | 49,003,000 | 51,156,000 |