Call reports 2002
AMERICAN NATIONAL BANK AND TRUST COMPANY — 2002
What AMERICAN NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 574,063,000 | 570,881,000 | 606,031,000 | 605,274,000 |
| Total loans | 381,888,000 | 391,708,000 | 396,720,000 | 407,688,000 |
| Allowance for loan losses | 5,423,000 | 5,477,000 | 5,574,000 | 5,622,000 |
| Securities available for sale | 114,956,000 | 121,250,000 | 123,087,000 | 134,229,000 |
| Securities held to maturity | 27,881,000 | 28,998,000 | 28,147,000 | 26,778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,019,000 | 458,604,000 | 475,270,000 | 475,344,000 |
| Interest-bearing deposits | 400,456,000 | 394,702,000 | 407,406,000 | 404,460,000 |
| Noninterest-bearing deposits | 57,563,000 | 63,902,000 | 67,864,000 | 70,884,000 |
| Equity capital | 64,306,000 | 66,530,000 | 67,696,000 | 68,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,801,000 | 17,588,000 | 26,481,000 | 35,135,000 |
| Interest expense | 3,424,000 | 6,550,000 | 9,522,000 | 12,310,000 |
| Net interest income | 5,377,000 | 11,038,000 | 16,959,000 | 22,825,000 |
| Noninterest income | 1,377,000 | 2,821,000 | 4,250,000 | 5,663,000 |
| Noninterest expense | 3,455,000 | 7,000,000 | 10,631,000 | 14,140,000 |
| Provision for loan losses | 183,000 | 419,000 | 633,000 | 873,000 |
| Pretax income | 3,135,000 | 6,459,000 | 9,964,000 | 13,514,000 |
| Income tax | 892,000 | 1,848,000 | 2,868,000 | 3,918,000 |
| Net income | 2,243,000 | 4,611,000 | 7,096,000 | 9,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,891,000 | 62,841,000 | 63,499,000 | 64,359,000 |
| Total capital | 66,610,000 | 67,665,000 | 68,420,000 | 69,328,000 |
| Risk-weighted assets | 428,918,000 | 444,159,000 | 446,546,000 | 460,201,000 |
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