Call reports 2013
AMERICAN INVESTORS BANK AND MORTGAGE — 2013
What AMERICAN INVESTORS BANK AND MORTGAGE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 101,301,000 | 100,622,000 | 101,457,000 | 98,902,000 |
| Total loans | 34,128,000 | 35,448,000 | 35,088,000 | 34,589,000 |
| Allowance for loan losses | 952,000 | 841,000 | 661,000 | 485,000 |
| Securities available for sale | 65,700,000 | 62,811,000 | 63,559,000 | 61,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,048,000 | 64,911,000 | 64,241,000 | 64,381,000 |
| Interest-bearing deposits | 63,705,000 | 64,368,000 | 63,982,000 | 63,975,000 |
| Noninterest-bearing deposits | 343,000 | 543,000 | 259,000 | 406,000 |
| Equity capital | 6,854,000 | 6,143,000 | 6,261,000 | 6,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,754,000 | 2,629,000 | 3,548,000 |
| Interest expense | 134,000 | 264,000 | 390,000 | 510,000 |
| Net interest income | 752,000 | 1,490,000 | 2,239,000 | 3,038,000 |
| Noninterest income | 13,000 | 41,000 | 50,000 | 55,000 |
| Noninterest expense | 376,000 | 756,000 | 1,140,000 | 1,542,000 |
| Provision for loan losses | 150,000 | 175,000 | 145,000 | 45,000 |
| Pretax income | 239,000 | 600,000 | 1,004,000 | 1,506,000 |
| Income tax | 73,000 | 207,000 | 337,000 | 553,000 |
| Net income | 166,000 | 393,000 | 667,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,791,000 | 7,024,000 | 6,899,000 | 7,185,000 |
| Total capital | 7,331,000 | 7,586,000 | 7,449,000 | 7,670,000 |
| Risk-weighted assets | 43,802,000 | 44,259,000 | 43,957,000 | 44,439,000 |