Call reports 2008
AMERICAN BANK OF BEAVER DAM — 2008
What AMERICAN BANK OF BEAVER DAM reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 142,289,000 | 143,339,000 | 118,104,000 | 116,981,000 |
| Total loans | 110,950,000 | 101,854,000 | 98,349,000 | 94,960,000 |
| Allowance for loan losses | 1,592,000 | 1,226,000 | 1,297,000 | 1,750,000 |
| Securities available for sale | 16,541,000 | 8,780,000 | 5,927,000 | 6,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,058,000 | 126,352,000 | 101,209,000 | 100,595,000 |
| Interest-bearing deposits | 112,539,000 | 113,307,000 | 89,396,000 | 88,716,000 |
| Noninterest-bearing deposits | 12,519,000 | 13,045,000 | 11,813,000 | 11,879,000 |
| Equity capital | 12,106,000 | 11,949,000 | 12,236,000 | 11,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,129,000 | 4,011,000 | 5,746,000 | 7,232,000 |
| Interest expense | 980,000 | 1,824,000 | 2,464,000 | 3,002,000 |
| Net interest income | 1,149,000 | 2,187,000 | 3,282,000 | 4,230,000 |
| Noninterest income | 265,000 | 556,000 | 1,177,000 | 1,384,000 |
| Noninterest expense | 1,215,000 | 2,408,000 | 3,675,000 | 5,047,000 |
| Provision for loan losses | 0 | 31,000 | 102,000 | 859,000 |
| Pretax income | 357,000 | 507,000 | 886,000 | -88,000 |
| Income tax | 77,000 | 103,000 | 233,000 | -85,000 |
| Net income | 280,000 | 404,000 | 653,000 | -3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,937,000 | 11,987,000 | 12,255,000 | 11,801,000 |
| Total capital | 13,122,000 | 13,109,000 | 13,277,000 | 12,784,000 |
| Risk-weighted assets | 94,378,000 | 89,646,000 | 81,474,000 | 77,914,000 |