Call reports 2007
AMERICAN BUSINESS BANK — 2007
What AMERICAN BUSINESS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 545,895,000 | 587,270,000 | 590,325,000 | 614,615,000 |
| Total loans | 231,947,000 | 256,168,000 | 262,621,000 | 285,484,000 |
| Allowance for loan losses | 3,270,000 | 3,405,000 | 3,555,000 | 3,705,000 |
| Securities available for sale | 106,837,000 | 142,027,000 | 142,542,000 | 136,804,000 |
| Securities held to maturity | 32,286,000 | 36,488,000 | 30,021,000 | 58,214,000 |
| Trading assets | 126,635,000 | 95,786,000 | 95,034,000 | 89,331,000 |
| Total deposits | 493,419,000 | 535,971,000 | 539,072,000 | 558,355,000 |
| Interest-bearing deposits | 302,453,000 | 357,643,000 | 361,149,000 | 382,288,000 |
| Noninterest-bearing deposits | 190,966,000 | 178,328,000 | 177,923,000 | 176,067,000 |
| Equity capital | 39,944,000 | 39,822,000 | 41,831,000 | 43,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,279,000 | 15,339,000 | 23,834,000 | 32,421,000 |
| Interest expense | 2,199,000 | 4,848,000 | 7,829,000 | 10,738,000 |
| Net interest income | 5,080,000 | 10,491,000 | 16,005,000 | 21,683,000 |
| Noninterest income | 238,000 | 711,000 | 920,000 | 1,157,000 |
| Noninterest expense | 3,571,000 | 7,365,000 | 11,262,000 | 15,233,000 |
| Provision for loan losses | 135,000 | 270,000 | 420,000 | 570,000 |
| Pretax income | 1,624,000 | 3,579,000 | 5,297,000 | 7,210,000 |
| Income tax | 591,000 | 1,157,000 | 1,527,000 | 2,002,000 |
| Net income | 1,033,000 | 2,422,000 | 3,770,000 | 5,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,269,000 | 41,934,000 | 43,440,000 | 45,003,000 |
| Total capital | 43,539,000 | 45,339,000 | 46,995,000 | 48,708,000 |
| Risk-weighted assets | 298,866,000 | 365,308,000 | 365,607,000 | 407,662,000 |