Call reports 2008
AMERICAN NATIONAL BANK AND TRUST COMPANY — 2008
What AMERICAN NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 784,257,000 | 789,925,000 | 799,886,000 | 788,435,000 |
| Total loans | 556,348,000 | 571,030,000 | 578,867,000 | 572,874,000 |
| Allowance for loan losses | 7,425,000 | 7,932,000 | 8,083,000 | 7,824,000 |
| Securities available for sale | 145,998,000 | 132,019,000 | 129,400,000 | 129,796,000 |
| Securities held to maturity | 11,039,000 | 9,828,000 | 7,133,000 | 7,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,429,000 | 578,304,000 | 598,224,000 | 602,494,000 |
| Interest-bearing deposits | 480,344,000 | 471,240,000 | 494,992,000 | 506,290,000 |
| Noninterest-bearing deposits | 110,085,000 | 107,064,000 | 103,232,000 | 96,204,000 |
| Equity capital | 113,734,000 | 112,473,000 | 113,042,000 | 108,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,260,000 | 22,048,000 | 32,647,000 | 42,872,000 |
| Interest expense | 4,192,000 | 7,906,000 | 11,343,000 | 14,559,000 |
| Net interest income | 7,068,000 | 14,142,000 | 21,304,000 | 28,313,000 |
| Noninterest income | 2,089,000 | 4,313,000 | 6,447,000 | 8,305,000 |
| Noninterest expense | 5,370,000 | 10,948,000 | 16,384,000 | 21,808,000 |
| Provision for loan losses | 140,000 | 740,000 | 1,020,000 | 1,620,000 |
| Pretax income | 3,677,000 | 6,404,000 | 9,897,000 | 12,740,000 |
| Income tax | 1,104,000 | 1,759,000 | 2,803,000 | 3,704,000 |
| Net income | 2,573,000 | 4,645,000 | 7,094,000 | 9,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,299,000 | 88,639,000 | 89,183,000 | 85,144,000 |
| Total capital | 94,498,000 | 94,956,000 | 95,708,000 | 91,686,000 |
| Risk-weighted assets | 572,585,000 | 581,478,000 | 592,919,000 | 594,567,000 |