Call reports 2003
AMERICAN BANK OF BEAVER DAM — 2003
What AMERICAN BANK OF BEAVER DAM reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 123,898,000 | 124,309,000 | 123,212,000 | 124,037,000 |
| Total loans | 73,381,000 | 74,115,000 | 74,136,000 | 78,183,000 |
| Allowance for loan losses | 514,000 | 541,000 | 639,000 | 618,000 |
| Securities available for sale | 41,885,000 | 43,318,000 | 42,483,000 | 39,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,419,000 | 111,798,000 | 111,114,000 | 110,337,000 |
| Interest-bearing deposits | 100,235,000 | 100,919,000 | 98,684,000 | 97,791,000 |
| Noninterest-bearing deposits | 11,184,000 | 10,879,000 | 12,430,000 | 12,546,000 |
| Equity capital | 11,699,000 | 11,865,000 | 11,477,000 | 10,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,713,000 | 3,349,000 | 4,952,000 | 6,557,000 |
| Interest expense | 553,000 | 1,052,000 | 1,502,000 | 1,935,000 |
| Net interest income | 1,160,000 | 2,297,000 | 3,450,000 | 4,622,000 |
| Noninterest income | 322,000 | 649,000 | 1,086,000 | 1,240,000 |
| Noninterest expense | 829,000 | 1,687,000 | 2,530,000 | 3,316,000 |
| Provision for loan losses | 53,000 | 56,000 | 153,000 | 183,000 |
| Pretax income | 600,000 | 1,338,000 | 1,988,000 | 2,497,000 |
| Income tax | 199,000 | 389,000 | 597,000 | 753,000 |
| Net income | 401,000 | 949,000 | 1,391,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,812,000 | 10,901,000 | 10,832,000 | 10,378,000 |
| Total capital | 11,326,000 | 11,442,000 | 11,471,000 | 10,996,000 |
| Risk-weighted assets | 58,723,000 | 58,339,000 | 60,187,000 | 63,586,000 |