Call reports 2003
AMERICAN NATIONAL BANK AND TRUST COMPANY — 2003
What AMERICAN NATIONAL BANK AND TRUST COMPANY 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 | 613,593,000 | 630,720,000 | 643,463,000 | 643,732,000 |
| Total loans | 421,328,000 | 434,753,000 | 420,656,000 | 406,805,000 |
| Allowance for loan losses | 5,771,000 | 5,991,000 | 6,067,000 | 5,292,000 |
| Securities available for sale | 135,761,000 | 138,020,000 | 156,076,000 | 168,846,000 |
| Securities held to maturity | 25,975,000 | 24,105,000 | 21,922,000 | 36,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,379,000 | 491,262,000 | 501,914,000 | 503,084,000 |
| Interest-bearing deposits | 419,435,000 | 422,005,000 | 429,586,000 | 430,660,000 |
| Noninterest-bearing deposits | 64,944,000 | 69,257,000 | 72,328,000 | 72,424,000 |
| Equity capital | 69,030,000 | 68,629,000 | 69,786,000 | 69,912,000 |
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 | 8,402,000 | 16,637,000 | 24,481,000 | 32,178,000 |
| Interest expense | 2,519,000 | 4,977,000 | 7,253,000 | 9,391,000 |
| Net interest income | 5,883,000 | 11,660,000 | 17,228,000 | 22,787,000 |
| Noninterest income | 1,471,000 | 3,080,000 | 4,832,000 | 6,552,000 |
| Noninterest expense | 3,763,000 | 7,602,000 | 11,369,000 | 14,951,000 |
| Provision for loan losses | 240,000 | 495,000 | 665,000 | 920,000 |
| Pretax income | 3,353,000 | 6,646,000 | 10,072,000 | 13,583,000 |
| Income tax | 962,000 | 1,909,000 | 2,900,000 | 3,967,000 |
| Net income | 2,391,000 | 4,737,000 | 7,172,000 | 9,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,362,000 | 64,870,000 | 66,919,000 | 67,248,000 |
| Total capital | 70,457,000 | 70,188,000 | 72,209,000 | 71,867,000 |
| Risk-weighted assets | 469,770,000 | 480,467,000 | 476,926,000 | 463,644,000 |
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