Call reports 2007
AMERICAN NATIONAL BANK AND TRUST COMPANY — 2007
What AMERICAN NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 786,768,000 | 770,357,000 | 766,786,000 | 771,518,000 |
| Total loans | 545,374,000 | 554,050,000 | 554,377,000 | 552,759,000 |
| Allowance for loan losses | 7,590,000 | 7,493,000 | 7,334,000 | 7,395,000 |
| Securities available for sale | 134,893,000 | 117,708,000 | 132,896,000 | 141,511,000 |
| Securities held to maturity | 13,475,000 | 13,148,000 | 12,009,000 | 11,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,319,000 | 599,350,000 | 588,847,000 | 589,840,000 |
| Interest-bearing deposits | 489,095,000 | 488,538,000 | 481,140,000 | 481,990,000 |
| Noninterest-bearing deposits | 121,224,000 | 110,812,000 | 107,707,000 | 107,850,000 |
| Equity capital | 112,130,000 | 113,280,000 | 116,163,000 | 112,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,898,000 | 24,004,000 | 36,297,000 | 48,597,000 |
| Interest expense | 4,415,000 | 8,894,000 | 13,498,000 | 17,997,000 |
| Net interest income | 7,483,000 | 15,110,000 | 22,799,000 | 30,600,000 |
| Noninterest income | 2,148,000 | 4,500,000 | 6,715,000 | 8,963,000 |
| Noninterest expense | 5,092,000 | 10,474,000 | 15,806,000 | 21,084,000 |
| Provision for loan losses | 303,000 | 303,000 | 303,000 | 403,000 |
| Pretax income | 4,261,000 | 8,922,000 | 13,539,000 | 17,849,000 |
| Income tax | 1,305,000 | 2,674,000 | 4,110,000 | 5,396,000 |
| Net income | 2,956,000 | 6,248,000 | 9,429,000 | 12,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,626,000 | 90,612,000 | 92,488,000 | 87,806,000 |
| Total capital | 94,917,000 | 96,918,000 | 98,700,000 | 93,961,000 |
| Risk-weighted assets | 565,857,000 | 572,789,000 | 569,571,000 | 569,764,000 |