Call reports 2016
AMERICAN INVESTORS BANK AND MORTGAGE — 2016
What AMERICAN INVESTORS BANK AND MORTGAGE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 93,933,000 | 93,684,000 | 89,471,000 | 88,051,000 |
| Total loans | 67,362,000 | 72,380,000 | 69,023,000 | 64,543,000 |
| Allowance for loan losses | 519,000 | 487,000 | 540,000 | 778,000 |
| Securities available for sale | 23,719,000 | 18,615,000 | 17,698,000 | 16,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,115,000 | 58,371,000 | 58,910,000 | 62,119,000 |
| Interest-bearing deposits | 59,855,000 | 58,044,000 | 58,680,000 | 61,813,000 |
| Noninterest-bearing deposits | 260,000 | 327,000 | 230,000 | 306,000 |
| Equity capital | 7,529,000 | 7,720,000 | 7,960,000 | 7,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,809,000 | 2,709,000 | 3,556,000 |
| Interest expense | 180,000 | 360,000 | 538,000 | 712,000 |
| Net interest income | 726,000 | 1,449,000 | 2,171,000 | 2,844,000 |
| Noninterest income | 33,000 | 73,000 | 243,000 | 454,000 |
| Noninterest expense | 538,000 | 1,119,000 | 1,596,000 | 2,158,000 |
| Provision for loan losses | 310,000 | 330,000 | 389,000 | 649,000 |
| Pretax income | -121,000 | 8,000 | 364,000 | 426,000 |
| Income tax | -49,000 | -1,000 | 130,000 | 162,000 |
| Net income | -72,000 | 9,000 | 234,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,715,000 | 7,796,000 | 8,021,000 | 8,006,000 |
| Total capital | 8,234,000 | 8,283,000 | 8,561,000 | 8,784,000 |
| Risk-weighted assets | 67,991,000 | 69,881,000 | 78,933,000 | 63,685,000 |