Call reports 2005
AMERICAN BANK — 2005
What AMERICAN BANK 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 | 50,356,000 | 52,183,000 | 55,531,000 | 61,300,000 |
| Total loans | 29,842,000 | 31,362,000 | 34,557,000 | 35,915,000 |
| Allowance for loan losses | 592,000 | 599,000 | 643,000 | 622,000 |
| Securities available for sale | 10,023,000 | 9,869,000 | 9,083,000 | 8,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,281,000 | 41,819,000 | 42,120,000 | 48,017,000 |
| Interest-bearing deposits | 30,285,000 | 29,592,000 | 30,096,000 | 32,077,000 |
| Noninterest-bearing deposits | 9,996,000 | 12,227,000 | 12,024,000 | 15,940,000 |
| Equity capital | 9,777,000 | 9,965,000 | 9,961,000 | 10,055,000 |
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 | 609,000 | 1,286,000 | 2,020,000 | 2,868,000 |
| Interest expense | 117,000 | 252,000 | 396,000 | 594,000 |
| Net interest income | 492,000 | 1,034,000 | 1,624,000 | 2,274,000 |
| Noninterest income | 167,000 | 324,000 | 508,000 | 663,000 |
| Noninterest expense | 541,000 | 1,071,000 | 1,594,000 | 2,197,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 287,000 | 538,000 | 740,000 |
| Income tax | 34,000 | 83,000 | 160,000 | 221,000 |
| Net income | 84,000 | 204,000 | 378,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,234,000 | 8,339,000 | 8,363,000 | 8,504,000 |
| Total capital | 8,653,000 | 8,774,000 | 8,838,000 | 9,017,000 |
| Risk-weighted assets | 33,348,000 | 34,633,000 | 37,841,000 | 40,965,000 |