Call reports 2015
AMERICAN INVESTORS BANK AND MORTGAGE — 2015
What AMERICAN INVESTORS BANK AND MORTGAGE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,831,000 | 86,713,000 | 96,689,000 | 96,124,000 |
| Total loans | 47,462,000 | 49,907,000 | 62,796,000 | 65,531,000 |
| Allowance for loan losses | 372,000 | 394,000 | 353,000 | 286,000 |
| Securities available for sale | 35,779,000 | 34,112,000 | 31,183,000 | 27,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,262,000 | 58,304,000 | 61,980,000 | 62,166,000 |
| Interest-bearing deposits | 57,843,000 | 57,959,000 | 61,101,000 | 61,816,000 |
| Noninterest-bearing deposits | 419,000 | 345,000 | 879,000 | 350,000 |
| Equity capital | 7,469,000 | 7,420,000 | 7,589,000 | 7,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,482,000 | 2,326,000 | 3,156,000 |
| Interest expense | 150,000 | 301,000 | 469,000 | 630,000 |
| Net interest income | 593,000 | 1,181,000 | 1,857,000 | 2,526,000 |
| Noninterest income | 8,000 | 25,000 | 66,000 | 75,000 |
| Noninterest expense | 415,000 | 928,000 | 1,532,000 | 2,213,000 |
| Provision for loan losses | 53,000 | 105,000 | 105,000 | 105,000 |
| Pretax income | 133,000 | 173,000 | 280,000 | 251,000 |
| Income tax | 41,000 | 53,000 | 92,000 | 100,000 |
| Net income | 92,000 | 120,000 | 188,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,726,000 | 7,756,000 | 7,823,000 | 7,787,000 |
| Total capital | 8,098,000 | 8,150,000 | 8,176,000 | 8,073,000 |
| Risk-weighted assets | 49,361,000 | 52,090,000 | 67,956,000 | 68,308,000 |