Call reports 2004
AMERICAN BUSINESS BANK — 2004
What AMERICAN BUSINESS 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 | 375,336,000 | 392,819,000 | 440,602,000 | 457,478,000 |
| Total loans | 140,451,000 | 144,687,000 | 148,668,000 | 153,127,000 |
| Allowance for loan losses | 2,136,000 | 2,205,000 | 2,270,000 | 2,355,000 |
| Securities available for sale | 153,495,000 | 175,958,000 | 211,343,000 | 252,796,000 |
| Securities held to maturity | 48,474,000 | 31,099,000 | 36,645,000 | 33,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,807,000 | 351,910,000 | 395,966,000 | 389,152,000 |
| Interest-bearing deposits | 210,710,000 | 223,087,000 | 358,586,000 | 240,803,000 |
| Noninterest-bearing deposits | 118,097,000 | 128,823,000 | 37,380,000 | 148,349,000 |
| Equity capital | 27,594,000 | 24,246,000 | 27,826,000 | 28,735,000 |
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 | 3,435,000 | 7,079,000 | 11,197,000 | 15,889,000 |
| Interest expense | 410,000 | 830,000 | 1,325,000 | 1,928,000 |
| Net interest income | 3,025,000 | 6,249,000 | 9,872,000 | 13,961,000 |
| Noninterest income | 220,000 | 453,000 | 690,000 | 916,000 |
| Noninterest expense | 2,417,000 | 4,858,000 | 7,470,000 | 10,289,000 |
| Provision for loan losses | 60,000 | 120,000 | 185,000 | 270,000 |
| Pretax income | 795,000 | 1,728,000 | 2,946,000 | 4,357,000 |
| Income tax | 196,000 | 444,000 | 762,000 | 940,000 |
| Net income | 599,000 | 1,284,000 | 2,184,000 | 3,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,360,000 | 27,111,000 | 28,040,000 | 29,311,000 |
| Total capital | 28,496,000 | 29,316,000 | 30,310,000 | 31,666,000 |
| Risk-weighted assets | 177,167,000 | 190,542,000 | 207,783,000 | 197,624,000 |