Call reports 2005
AMERICAN BUSINESS BANK — 2005
What AMERICAN BUSINESS 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 | 484,673,000 | 491,593,000 | 504,181,000 | 506,572,000 |
| Total loans | 158,313,000 | 166,141,000 | 170,919,000 | 187,866,000 |
| Allowance for loan losses | 2,415,000 | 2,480,000 | 2,575,000 | 2,685,000 |
| Securities available for sale | 225,670,000 | 249,675,000 | 236,247,000 | 240,138,000 |
| Securities held to maturity | 56,268,000 | 39,334,000 | 44,373,000 | 41,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,337,000 | 450,209,000 | 457,126,000 | 456,314,000 |
| Interest-bearing deposits | 293,863,000 | 291,326,000 | 287,856,000 | 276,352,000 |
| Noninterest-bearing deposits | 154,474,000 | 158,883,000 | 169,270,000 | 179,962,000 |
| Equity capital | 28,561,000 | 31,578,000 | 32,340,000 | 32,312,000 |
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 | 4,864,000 | 10,297,000 | 16,243,000 | 22,302,000 |
| Interest expense | 680,000 | 1,555,000 | 2,641,000 | 3,818,000 |
| Net interest income | 4,184,000 | 8,742,000 | 13,602,000 | 18,484,000 |
| Noninterest income | 194,000 | 388,000 | 579,000 | 811,000 |
| Noninterest expense | 2,713,000 | 5,575,000 | 8,533,000 | 11,419,000 |
| Provision for loan losses | 60,000 | 125,000 | 220,000 | 330,000 |
| Pretax income | 1,551,000 | 3,368,000 | 5,355,000 | 7,474,000 |
| Income tax | 394,000 | 872,000 | 1,374,000 | 2,187,000 |
| Net income | 1,157,000 | 2,496,000 | 3,981,000 | 5,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,792,000 | 32,143,000 | 33,663,000 | 35,027,000 |
| Total capital | 33,207,000 | 34,623,000 | 36,238,000 | 37,712,000 |
| Risk-weighted assets | 218,221,000 | 210,319,000 | 228,589,000 | 249,232,000 |