Call reports 2004
AMERICAN STATE BANK OF OLIVIA — 2004
What AMERICAN STATE BANK OF OLIVIA 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 | 61,926,000 | 64,131,000 | 69,183,000 | 74,558,000 |
| Total loans | 54,977,000 | 59,049,000 | 63,521,000 | 64,753,000 |
| Allowance for loan losses | 735,000 | 881,000 | 946,000 | 958,000 |
| Securities available for sale | 0 | 0 | 0 | 1,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,714,000 | 54,823,000 | 59,667,000 | 64,828,000 |
| Interest-bearing deposits | 48,495,000 | 51,736,000 | 56,999,000 | 59,820,000 |
| Noninterest-bearing deposits | 4,219,000 | 3,087,000 | 2,668,000 | 5,008,000 |
| Equity capital | 6,038,000 | 6,101,000 | 6,297,000 | 6,492,000 |
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 | 922,000 | 1,924,000 | 2,995,000 | 4,132,000 |
| Interest expense | 281,000 | 586,000 | 911,000 | 1,280,000 |
| Net interest income | 641,000 | 1,338,000 | 2,084,000 | 2,852,000 |
| Noninterest income | 12,000 | 30,000 | 47,000 | 63,000 |
| Noninterest expense | 357,000 | 687,000 | 1,057,000 | 1,450,000 |
| Provision for loan losses | 25,000 | 303,000 | 369,000 | 433,000 |
| Pretax income | 271,000 | 378,000 | 705,000 | 1,032,000 |
| Income tax | 109,000 | 153,000 | 284,000 | 416,000 |
| Net income | 162,000 | 225,000 | 421,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,038,000 | 6,101,000 | 6,297,000 | 6,492,000 |
| Total capital | 6,730,000 | 6,838,000 | 7,115,000 | 7,307,000 |
| Risk-weighted assets | 55,905,000 | 59,516,000 | 65,310,000 | 65,046,000 |