Call reports 2005
AB&T — 2005
What AB&T 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 | 166,922,000 | 180,294,000 | 210,135,000 | 224,427,000 |
| Total loans | 113,179,000 | 124,668,000 | 148,817,000 | 162,989,000 |
| Allowance for loan losses | 1,082,000 | 1,247,000 | 1,515,000 | 1,999,000 |
| Securities available for sale | 35,212,000 | 33,538,000 | 33,886,000 | 30,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,746,000 | 133,560,000 | 161,146,000 | 176,678,000 |
| Interest-bearing deposits | 100,381,000 | 115,080,000 | 142,700,000 | 158,699,000 |
| Noninterest-bearing deposits | 19,365,000 | 18,480,000 | 18,446,000 | 17,979,000 |
| Equity capital | 13,850,000 | 14,538,000 | 14,661,000 | 13,918,000 |
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 | 2,203,000 | 4,580,000 | 7,444,000 | 10,733,000 |
| Interest expense | 710,000 | 1,599,000 | 2,851,000 | 4,407,000 |
| Net interest income | 1,493,000 | 2,981,000 | 4,593,000 | 6,326,000 |
| Noninterest income | 330,000 | 685,000 | 1,344,000 | 1,919,000 |
| Noninterest expense | 1,158,000 | 2,358,000 | 3,851,000 | 5,379,000 |
| Provision for loan losses | 90,000 | 250,000 | 520,000 | 1,700,000 |
| Pretax income | 575,000 | 1,058,000 | 1,566,000 | 546,000 |
| Income tax | 188,000 | 317,000 | 478,000 | 110,000 |
| Net income | 387,000 | 741,000 | 1,088,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,375,000 | 14,793,000 | 14,922,000 | 14,522,000 |
| Total capital | 15,457,000 | 16,040,000 | 16,437,000 | 16,521,000 |
| Risk-weighted assets | 120,222,000 | 130,325,000 | 150,300,000 | 163,973,000 |
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