Call reports 2004
AMERICAN NATIONAL BANK AND TRUST COMPANY — 2004
What AMERICAN NATIONAL BANK AND TRUST COMPANY 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 | 645,320,000 | 629,997,000 | 622,853,000 | 618,485,000 |
| Total loans | 406,741,000 | 401,672,000 | 395,913,000 | 408,240,000 |
| Allowance for loan losses | 5,323,000 | 5,457,000 | 5,599,000 | 7,982,000 |
| Securities available for sale | 184,536,000 | 177,619,000 | 175,231,000 | 162,922,000 |
| Securities held to maturity | 20,194,000 | 19,528,000 | 21,328,000 | 22,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,177,000 | 485,466,000 | 484,520,000 | 486,075,000 |
| Interest-bearing deposits | 421,804,000 | 409,776,000 | 402,347,000 | 410,016,000 |
| Noninterest-bearing deposits | 81,373,000 | 75,690,000 | 82,173,000 | 76,059,000 |
| Equity capital | 71,799,000 | 69,480,000 | 70,294,000 | 69,562,000 |
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 | 7,581,000 | 14,991,000 | 22,400,000 | 30,120,000 |
| Interest expense | 1,965,000 | 3,829,000 | 5,612,000 | 7,479,000 |
| Net interest income | 5,616,000 | 11,162,000 | 16,788,000 | 22,641,000 |
| Noninterest income | 1,748,000 | 3,774,000 | 5,505,000 | 7,324,000 |
| Noninterest expense | 3,740,000 | 7,639,000 | 11,451,000 | 14,833,000 |
| Provision for loan losses | 215,000 | 470,000 | 725,000 | 3,095,000 |
| Pretax income | 3,514,000 | 6,946,000 | 10,236,000 | 11,209,000 |
| Income tax | 1,004,000 | 1,982,000 | 2,914,000 | 3,088,000 |
| Net income | 2,510,000 | 4,964,000 | 7,322,000 | 8,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,671,000 | 69,217,000 | 68,806,000 | 68,747,000 |
| Total capital | 73,309,000 | 73,989,000 | 73,593,000 | 73,724,000 |
| Risk-weighted assets | 459,387,000 | 445,098,000 | 437,650,000 | 450,627,000 |
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