Call reports 2014
AMERICAN INVESTORS BANK AND MORTGAGE — 2014
What AMERICAN INVESTORS BANK AND MORTGAGE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,262,000 | 91,700,000 | 92,452,000 | 87,202,000 |
| Total loans | 34,902,000 | 45,493,000 | 47,451,000 | 48,245,000 |
| Allowance for loan losses | 430,000 | 535,000 | 543,000 | 401,000 |
| Securities available for sale | 52,870,000 | 44,415,000 | 42,860,000 | 37,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,755,000 | 61,724,000 | 59,353,000 | 57,660,000 |
| Interest-bearing deposits | 65,416,000 | 61,518,000 | 59,095,000 | 57,367,000 |
| Noninterest-bearing deposits | 339,000 | 206,000 | 258,000 | 293,000 |
| Equity capital | 6,418,000 | 6,856,000 | 7,045,000 | 7,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 850,000 | 1,612,000 | 2,463,000 | 3,258,000 |
| Interest expense | 129,000 | 273,000 | 409,000 | 580,000 |
| Net interest income | 721,000 | 1,339,000 | 2,054,000 | 2,678,000 |
| Noninterest income | 6,000 | 18,000 | 26,000 | 36,000 |
| Noninterest expense | 389,000 | 791,000 | 1,198,000 | 1,629,000 |
| Provision for loan losses | 101,000 | 201,000 | 302,000 | 192,000 |
| Pretax income | 210,000 | 324,000 | 538,000 | 787,000 |
| Income tax | 73,000 | 104,000 | 174,000 | 337,000 |
| Net income | 137,000 | 220,000 | 364,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,322,000 | 7,405,000 | 7,549,000 | 7,635,000 |
| Total capital | 7,752,000 | 7,940,000 | 8,092,000 | 8,036,000 |
| Risk-weighted assets | 41,073,000 | 50,290,000 | 52,068,000 | 50,822,000 |