Call reports 2005
AMERICAN NATIONAL BANK AND TRUST COMPANY — 2005
What AMERICAN NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 625,080,000 | 616,265,000 | 610,481,000 | 622,468,000 |
| Total loans | 417,161,000 | 417,998,000 | 410,598,000 | 417,801,000 |
| Allowance for loan losses | 8,127,000 | 8,378,000 | 8,515,000 | 6,109,000 |
| Securities available for sale | 157,850,000 | 144,661,000 | 143,874,000 | 143,849,000 |
| Securities held to maturity | 19,776,000 | 19,221,000 | 19,050,000 | 18,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,155,000 | 479,513,000 | 478,322,000 | 492,619,000 |
| Interest-bearing deposits | 406,789,000 | 387,539,000 | 386,418,000 | 405,686,000 |
| Noninterest-bearing deposits | 83,366,000 | 91,974,000 | 91,904,000 | 86,933,000 |
| Equity capital | 69,267,000 | 70,356,000 | 70,111,000 | 71,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,766,000 | 15,753,000 | 23,897,000 | 32,479,000 |
| Interest expense | 1,917,000 | 3,994,000 | 6,204,000 | 8,740,000 |
| Net interest income | 5,849,000 | 11,759,000 | 17,693,000 | 23,739,000 |
| Noninterest income | 2,021,000 | 3,975,000 | 5,880,000 | 7,827,000 |
| Noninterest expense | 3,944,000 | 8,121,000 | 12,490,000 | 16,878,000 |
| Provision for loan losses | 300,000 | 540,000 | 720,000 | 465,000 |
| Pretax income | 3,671,000 | 7,118,000 | 10,408,000 | 14,276,000 |
| Income tax | 1,058,000 | 2,055,000 | 3,004,000 | 4,160,000 |
| Net income | 2,613,000 | 5,063,000 | 7,404,000 | 10,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,678,000 | 70,428,000 | 70,720,000 | 72,321,000 |
| Total capital | 74,686,000 | 75,355,000 | 75,618,000 | 77,343,000 |
| Risk-weighted assets | 454,284,000 | 449,146,000 | 444,828,000 | 454,683,000 |
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