Call reports 2004
AMERICAN BANK — 2004
What AMERICAN BANK 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 | 55,498,000 | 52,202,000 | 49,616,000 | 48,464,000 |
| Total loans | 34,126,000 | 30,683,000 | 26,881,000 | 26,173,000 |
| Allowance for loan losses | 688,000 | 652,000 | 660,000 | 656,000 |
| Securities available for sale | 8,716,000 | 8,353,000 | 8,758,000 | 7,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,886,000 | 41,612,000 | 38,936,000 | 38,469,000 |
| Interest-bearing deposits | 32,149,000 | 31,298,000 | 30,127,000 | 29,578,000 |
| Noninterest-bearing deposits | 12,737,000 | 10,314,000 | 8,809,000 | 8,891,000 |
| Equity capital | 10,220,000 | 10,077,000 | 10,240,000 | 9,737,000 |
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 | 716,000 | 1,436,000 | 2,113,000 | 2,729,000 |
| Interest expense | 102,000 | 200,000 | 296,000 | 400,000 |
| Net interest income | 614,000 | 1,236,000 | 1,817,000 | 2,329,000 |
| Noninterest income | 186,000 | 349,000 | 524,000 | 693,000 |
| Noninterest expense | 534,000 | 1,112,000 | 1,713,000 | 2,216,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 266,000 | 473,000 | 628,000 | 806,000 |
| Income tax | 87,000 | 154,000 | 203,000 | 259,000 |
| Net income | 179,000 | 319,000 | 425,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,567,000 | 8,517,000 | 8,613,000 | 8,128,000 |
| Total capital | 9,025,000 | 8,923,000 | 8,973,000 | 8,500,000 |
| Risk-weighted assets | 36,444,000 | 32,197,000 | 28,501,000 | 29,500,000 |