Call reports 2006
AMERICAN BANK — 2006
What AMERICAN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,700,000 | 61,112,000 | 60,175,000 | 56,478,000 |
| Total loans | 34,343,000 | 36,409,000 | 34,978,000 | 35,435,000 |
| Allowance for loan losses | 565,000 | 502,000 | 557,000 | 557,000 |
| Securities available for sale | 7,922,000 | 7,295,000 | 6,993,000 | 7,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,397,000 | 50,532,000 | 49,282,000 | 45,461,000 |
| Interest-bearing deposits | 33,847,000 | 33,718,000 | 33,301,000 | 31,570,000 |
| Noninterest-bearing deposits | 16,550,000 | 16,814,000 | 15,981,000 | 13,891,000 |
| Equity capital | 9,862,000 | 9,919,000 | 10,187,000 | 9,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,696,000 | 2,573,000 | 3,580,000 |
| Interest expense | 222,000 | 423,000 | 636,000 | 852,000 |
| Net interest income | 604,000 | 1,273,000 | 1,937,000 | 2,728,000 |
| Noninterest income | 181,000 | 351,000 | 569,000 | 850,000 |
| Noninterest expense | 613,000 | 1,297,000 | 1,860,000 | 2,450,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 70,000 |
| Pretax income | 172,000 | 327,000 | 576,000 | 1,058,000 |
| Income tax | 50,000 | 95,000 | 172,000 | 327,000 |
| Net income | 122,000 | 232,000 | 404,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,326,000 | 8,436,000 | 8,615,000 | 8,240,000 |
| Total capital | 8,829,000 | 8,938,000 | 9,121,000 | 8,743,000 |
| Risk-weighted assets | 40,200,000 | 41,812,000 | 40,462,000 | 40,217,000 |