Call reports 2004
AMERICAN BANK OF BEAVER DAM — 2004
What AMERICAN BANK OF BEAVER DAM reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,442,000 | 118,352,000 | 126,464,000 | 133,006,000 |
| Total loans | 79,841,000 | 84,530,000 | 89,579,000 | 92,954,000 |
| Allowance for loan losses | 618,000 | 591,000 | 645,000 | 681,000 |
| Securities available for sale | 35,108,000 | 27,527,000 | 26,780,000 | 28,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,049,000 | 106,931,000 | 111,478,000 | 116,673,000 |
| Interest-bearing deposits | 95,735,000 | 95,500,000 | 99,510,000 | 103,448,000 |
| Noninterest-bearing deposits | 12,313,000 | 11,431,000 | 11,968,000 | 13,225,000 |
| Equity capital | 11,420,000 | 10,666,000 | 11,164,000 | 10,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,514,000 | 2,943,000 | 4,425,000 | 5,966,000 |
| Interest expense | 400,000 | 773,000 | 1,196,000 | 1,652,000 |
| Net interest income | 1,114,000 | 2,170,000 | 3,229,000 | 4,314,000 |
| Noninterest income | 164,000 | 404,000 | 607,000 | 815,000 |
| Noninterest expense | 866,000 | 1,878,000 | 2,944,000 | 4,168,000 |
| Provision for loan losses | 0 | 62,000 | 115,000 | 173,000 |
| Pretax income | 614,000 | 1,063,000 | 1,207,000 | 1,217,000 |
| Income tax | 163,000 | 286,000 | 303,000 | 229,000 |
| Net income | 451,000 | 777,000 | 904,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,818,000 | 10,884,000 | 10,999,000 | 10,514,000 |
| Total capital | 11,436,000 | 11,475,000 | 11,644,000 | 11,195,000 |
| Risk-weighted assets | 64,380,000 | 69,301,000 | 76,001,000 | 80,609,000 |