Call reports 2004
AMERICAN BANK — 2004
What AMERICAN BANK 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 | 72,266,000 | 69,793,000 | 72,451,000 | 69,442,000 |
| Total loans | 54,285,000 | 53,169,000 | 54,125,000 | 54,215,000 |
| Allowance for loan losses | 827,000 | 868,000 | 813,000 | 794,000 |
| Securities available for sale | 4,300,000 | 3,740,000 | 3,504,000 | 3,476,000 |
| Securities held to maturity | 532,000 | 532,000 | 532,000 | 531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,328,000 | 63,721,000 | 66,078,000 | 62,955,000 |
| Interest-bearing deposits | 50,433,000 | 49,750,000 | 49,928,000 | 47,929,000 |
| Noninterest-bearing deposits | 15,894,000 | 13,971,000 | 16,150,000 | 15,026,000 |
| Equity capital | 5,730,000 | 5,840,000 | 6,035,000 | 6,217,000 |
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 | 1,155,000 | 2,298,000 | 3,410,000 | 4,578,000 |
| Interest expense | 282,000 | 556,000 | 828,000 | 1,092,000 |
| Net interest income | 873,000 | 1,742,000 | 2,582,000 | 3,486,000 |
| Noninterest income | 160,000 | 391,000 | 574,000 | 742,000 |
| Noninterest expense | 760,000 | 1,585,000 | 2,256,000 | 3,025,000 |
| Provision for loan losses | 57,000 | 114,000 | 204,000 | 234,000 |
| Pretax income | 216,000 | 434,000 | 696,000 | 969,000 |
| Income tax | 73,000 | 148,000 | 238,000 | 313,000 |
| Net income | 143,000 | 286,000 | 458,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,696,000 | 5,839,000 | 6,018,000 | 6,216,000 |
| Total capital | 6,400,000 | 6,537,000 | 6,735,000 | 6,919,000 |
| Risk-weighted assets | 56,183,000 | 55,654,000 | 57,258,000 | 56,130,000 |
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