Call reports 2006
AMERICAN BUSINESS BANK — 2006
What AMERICAN BUSINESS 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 | 464,106,000 | 516,667,000 | 539,614,000 | 535,587,000 |
| Total loans | 187,841,000 | 203,795,000 | 215,981,000 | 224,506,000 |
| Allowance for loan losses | 2,790,000 | 2,895,000 | 3,015,000 | 3,135,000 |
| Securities available for sale | 207,102,000 | 218,270,000 | 241,261,000 | 222,296,000 |
| Securities held to maturity | 35,392,000 | 35,059,000 | 36,406,000 | 43,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,846,000 | 429,106,000 | 420,518,000 | 483,749,000 |
| Interest-bearing deposits | 257,455,000 | 271,453,000 | 265,574,000 | 292,073,000 |
| Noninterest-bearing deposits | 159,391,000 | 157,653,000 | 154,944,000 | 191,675,000 |
| Equity capital | 33,348,000 | 33,514,000 | 37,227,000 | 38,890,000 |
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 | 5,982,000 | 12,286,000 | 19,105,000 | 26,380,000 |
| Interest expense | 1,370,000 | 2,971,000 | 4,969,000 | 7,175,000 |
| Net interest income | 4,612,000 | 9,315,000 | 14,136,000 | 19,205,000 |
| Noninterest income | 200,000 | 391,000 | 615,000 | 843,000 |
| Noninterest expense | 2,954,000 | 5,727,000 | 8,894,000 | 12,448,000 |
| Provision for loan losses | 105,000 | 210,000 | 330,000 | 450,000 |
| Pretax income | 1,728,000 | 3,744,000 | 5,502,000 | 7,253,000 |
| Income tax | 517,000 | 1,175,000 | 1,715,000 | 2,235,000 |
| Net income | 1,211,000 | 2,569,000 | 3,787,000 | 5,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,350,000 | 37,833,000 | 39,297,000 | 40,624,000 |
| Total capital | 39,140,000 | 40,728,000 | 42,312,000 | 43,759,000 |
| Risk-weighted assets | 241,437,000 | 276,832,000 | 285,960,000 | 297,387,000 |