Call reports 2007
AMERICAN BANK OF BEAVER DAM — 2007
What AMERICAN BANK OF BEAVER DAM reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 156,525,000 | 153,475,000 | 157,017,000 | 150,931,000 |
| Total loans | 120,935,000 | 120,292,000 | 118,561,000 | 116,515,000 |
| Allowance for loan losses | 804,000 | 918,000 | 866,000 | 1,677,000 |
| Securities available for sale | 27,195,000 | 24,015,000 | 25,579,000 | 26,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,210,000 | 136,771,000 | 139,188,000 | 134,111,000 |
| Interest-bearing deposits | 129,348,000 | 123,629,000 | 123,516,000 | 119,960,000 |
| Noninterest-bearing deposits | 12,862,000 | 13,142,000 | 15,672,000 | 14,150,000 |
| Equity capital | 10,949,000 | 11,694,000 | 12,110,000 | 11,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,765,000 | 7,206,000 | 9,359,000 |
| Interest expense | 1,246,000 | 2,446,000 | 3,660,000 | 4,813,000 |
| Net interest income | 1,134,000 | 2,319,000 | 3,546,000 | 4,546,000 |
| Noninterest income | 252,000 | 548,000 | 800,000 | 1,033,000 |
| Noninterest expense | 1,106,000 | 2,246,000 | 3,417,000 | 4,682,000 |
| Provision for loan losses | 40,000 | 161,000 | 211,000 | 1,027,000 |
| Pretax income | 240,000 | 460,000 | 718,000 | -116,000 |
| Income tax | 19,000 | 51,000 | 102,000 | -197,000 |
| Net income | 221,000 | 409,000 | 616,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,117,000 | 12,110,000 | 12,242,000 | 11,708,000 |
| Total capital | 11,921,000 | 13,028,000 | 13,108,000 | 12,942,000 |
| Risk-weighted assets | 102,020,000 | 101,322,000 | 99,977,000 | 98,273,000 |