Call reports 2003
AMERICAN BANK — 2003
What AMERICAN BANK 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 | 57,694,000 | 55,178,000 | 57,723,000 | 55,575,000 |
| Total loans | 38,055,000 | 35,779,000 | 33,455,000 | 35,406,000 |
| Allowance for loan losses | 607,000 | 597,000 | 616,000 | 709,000 |
| Securities available for sale | 6,026,000 | 5,616,000 | 6,708,000 | 8,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,521,000 | 44,723,000 | 47,205,000 | 45,232,000 |
| Interest-bearing deposits | 35,950,000 | 33,933,000 | 34,536,000 | 32,715,000 |
| Noninterest-bearing deposits | 11,571,000 | 10,790,000 | 12,669,000 | 12,517,000 |
| Equity capital | 9,892,000 | 10,015,000 | 10,061,000 | 10,045,000 |
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 | 829,000 | 1,613,000 | 2,444,000 | 3,207,000 |
| Interest expense | 163,000 | 313,000 | 441,000 | 552,000 |
| Net interest income | 666,000 | 1,300,000 | 2,003,000 | 2,655,000 |
| Noninterest income | 213,000 | 459,000 | 654,000 | 837,000 |
| Noninterest expense | 550,000 | 1,119,000 | 1,676,000 | 2,187,000 |
| Provision for loan losses | 20,000 | 35,000 | 45,000 | 45,000 |
| Pretax income | 309,000 | 605,000 | 936,000 | 1,260,000 |
| Income tax | 101,000 | 199,000 | 308,000 | 414,000 |
| Net income | 208,000 | 406,000 | 628,000 | 846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,223,000 | 8,324,000 | 8,395,000 | 8,388,000 |
| Total capital | 8,739,000 | 8,803,000 | 8,851,000 | 8,853,000 |
| Risk-weighted assets | 41,176,000 | 38,177,000 | 36,284,000 | 36,945,000 |