Call reports 2005
AMERICAN STATE BANK OF OLIVIA — 2005
What AMERICAN STATE BANK OF OLIVIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 70,868,000 | 75,283,000 | 75,564,000 |
| Total loans | 64,608,000 | 67,403,000 | 69,942,000 |
| Allowance for loan losses | 973,000 | 1,238,000 | 1,275,000 |
| Securities available for sale | 1,984,000 | 1,490,000 | 1,490,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 61,134,000 | 64,816,000 | 61,124,000 |
| Interest-bearing deposits | 57,894,000 | 61,586,000 | 58,346,000 |
| Noninterest-bearing deposits | 3,240,000 | 3,230,000 | 2,778,000 |
| Equity capital | 6,532,000 | 7,224,000 | 7,049,000 |
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 |
|---|---|---|---|
| Interest income | 1,131,000 | 2,347,000 | 3,587,000 |
| Interest expense | 369,000 | 798,000 | 1,265,000 |
| Net interest income | 762,000 | 1,549,000 | 2,322,000 |
| Noninterest income | 15,000 | 36,000 | 49,000 |
| Noninterest expense | 424,000 | 822,000 | 1,233,000 |
| Provision for loan losses | 20,000 | 290,000 | 368,000 |
| Pretax income | 333,000 | 473,000 | 770,000 |
| Income tax | 135,000 | 191,000 | 659,000 |
| Net income | 198,000 | 282,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 6,540,000 | 6,883,000 | 6,712,000 |
| Total capital | 7,359,000 | 7,755,000 | 7,603,000 |
| Risk-weighted assets | 65,385,000 | 69,425,000 | 70,865,000 |