Call reports 2003
AMERICAN BUSINESS BANK — 2003
What AMERICAN BUSINESS 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 | 328,536,000 | 348,023,000 | 343,679,000 | 360,673,000 |
| Total loans | 126,228,000 | 128,782,000 | 128,512,000 | 142,542,000 |
| Allowance for loan losses | 1,848,000 | 1,937,000 | 1,995,000 | 2,060,000 |
| Securities available for sale | 65,903,000 | 87,402,000 | 131,659,000 | 152,121,000 |
| Securities held to maturity | 104,176,000 | 89,196,000 | 57,431,000 | 45,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,772,000 | 319,348,000 | 314,835,000 | 323,932,000 |
| Interest-bearing deposits | 208,429,000 | 223,361,000 | 215,331,000 | 205,483,000 |
| Noninterest-bearing deposits | 91,343,000 | 95,987,000 | 99,504,000 | 118,449,000 |
| Equity capital | 23,676,000 | 24,693,000 | 24,063,000 | 25,187,000 |
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 | 2,835,000 | 5,712,000 | 8,622,000 | 11,867,000 |
| Interest expense | 491,000 | 971,000 | 1,358,000 | 1,738,000 |
| Net interest income | 2,344,000 | 4,741,000 | 7,264,000 | 10,129,000 |
| Noninterest income | 166,000 | 354,000 | 526,000 | 710,000 |
| Noninterest expense | 2,022,000 | 4,026,000 | 6,106,000 | 8,237,000 |
| Provision for loan losses | 90,000 | 170,000 | 220,000 | 270,000 |
| Pretax income | 785,000 | 1,408,000 | 2,037,000 | 2,885,000 |
| Income tax | 353,000 | 551,000 | 673,000 | 832,000 |
| Net income | 432,000 | 857,000 | 1,364,000 | 2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,762,000 | 24,187,000 | 24,806,000 | 25,536,000 |
| Total capital | 25,610,000 | 26,124,000 | 26,778,000 | 27,596,000 |
| Risk-weighted assets | 163,007,000 | 169,450,000 | 157,700,000 | 172,972,000 |