Call reports 2002
AMERICAN BUSINESS BANK — 2002
What AMERICAN BUSINESS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 237,096,000 | 257,344,000 | 284,620,000 | 295,507,000 |
| Total loans | 103,655,000 | 101,212,000 | 111,541,000 | 120,758,000 |
| Allowance for loan losses | 1,510,000 | 1,600,000 | 1,630,000 | 1,752,000 |
| Securities available for sale | 18,463,000 | 18,267,000 | 23,909,000 | 19,805,000 |
| Securities held to maturity | 73,127,000 | 91,719,000 | 107,939,000 | 116,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,258,000 | 236,399,000 | 253,857,000 | 265,651,000 |
| Interest-bearing deposits | 140,186,000 | 153,341,000 | 163,068,000 | 179,937,000 |
| Noninterest-bearing deposits | 73,072,000 | 83,058,000 | 90,789,000 | 85,714,000 |
| Equity capital | 14,986,000 | 15,498,000 | 22,932,000 | 23,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,676,000 | 5,388,000 | 8,283,000 | 11,272,000 |
| Interest expense | 587,000 | 1,144,000 | 1,721,000 | 2,318,000 |
| Net interest income | 2,089,000 | 4,244,000 | 6,562,000 | 8,954,000 |
| Noninterest income | 269,000 | 538,000 | 823,000 | 547,000 |
| Noninterest expense | 1,879,000 | 3,734,000 | 5,686,000 | 7,179,000 |
| Provision for loan losses | 90,000 | 180,000 | 280,000 | 395,000 |
| Pretax income | 490,000 | 980,000 | 1,660,000 | 2,431,000 |
| Income tax | 166,000 | 327,000 | 566,000 | 785,000 |
| Net income | 324,000 | 653,000 | 1,094,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,036,000 | 15,365,000 | 22,592,000 | 23,329,000 |
| Total capital | 16,546,000 | 16,965,000 | 24,222,000 | 25,081,000 |
| Risk-weighted assets | 136,293,000 | 132,877,000 | 140,707,000 | 146,638,000 |